LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,896
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,666
−HK$1,798/mo
Today · 4.125%
HK$60,464
baseline
▲ 0.50% · 4.625%
HK$64,143
+HK$3,679/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,928/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,296
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,994
−HK$1,722/mo
Today · 4.125%
HK$66,716
baseline
▲ 0.50% · 4.625%
HK$70,233
+HK$3,517/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,432/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,275
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,399
−HK$2,158/mo
Today · 4.125%
HK$72,557
baseline
▲ 0.50% · 4.625%
HK$76,972
+HK$4,415/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,114/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,956
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,993
−HK$2,066/mo
Today · 4.125%
HK$80,059
baseline
▲ 0.50% · 4.625%
HK$84,279
+HK$4,220/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,118/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,655
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,132
−HK$2,518/mo
Today · 4.125%
HK$84,650
baseline
▲ 0.50% · 4.625%
HK$89,800
+HK$5,150/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,300/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,615
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$90,992
−HK$2,411/mo
Today · 4.125%
HK$93,403
baseline
▲ 0.50% · 4.625%
HK$98,326
+HK$4,923/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,806/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,413
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$105,599
−HK$3,236/mo
Today · 4.125%
HK$108,835
baseline
▲ 0.50% · 4.625%
HK$115,458
+HK$6,623/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$217,670/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,934
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,989
−HK$3,100/mo
Today · 4.125%
HK$120,089
baseline
▲ 0.50% · 4.625%
HK$126,419
+HK$6,330/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$240,178/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,446 · Scale 2, in force from 26 Feb 2026)