LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,894
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,664
−HK$1,798/mo
Today · 4.125%
HK$60,462
baseline
▲ 0.50% · 4.625%
HK$64,141
+HK$3,679/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,924/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,294
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,992
−HK$1,722/mo
Today · 4.125%
HK$66,714
baseline
▲ 0.50% · 4.625%
HK$70,230
+HK$3,516/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,428/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,273
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,397
−HK$2,157/mo
Today · 4.125%
HK$72,554
baseline
▲ 0.50% · 4.625%
HK$76,969
+HK$4,415/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,108/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,953
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,990
−HK$2,066/mo
Today · 4.125%
HK$80,056
baseline
▲ 0.50% · 4.625%
HK$84,276
+HK$4,220/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,112/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,652
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,129
−HK$2,518/mo
Today · 4.125%
HK$84,647
baseline
▲ 0.50% · 4.625%
HK$89,797
+HK$5,150/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,294/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,612
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,988
−HK$2,411/mo
Today · 4.125%
HK$93,399
baseline
▲ 0.50% · 4.625%
HK$98,322
+HK$4,923/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,798/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,409
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$105,595
−HK$3,236/mo
Today · 4.125%
HK$108,831
baseline
▲ 0.50% · 4.625%
HK$115,453
+HK$6,622/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$217,662/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,929
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$116,985
−HK$3,100/mo
Today · 4.125%
HK$120,085
baseline
▲ 0.50% · 4.625%
HK$126,414
+HK$6,329/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$240,170/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,407 · Scale 2, in force from 26 Feb 2026)