LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,897
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,667
−HK$1,798/mo
Today · 4.125%
HK$60,465
baseline
▲ 0.50% · 4.625%
HK$64,144
+HK$3,679/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,930/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,297
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,995
−HK$1,722/mo
Today · 4.125%
HK$66,717
baseline
▲ 0.50% · 4.625%
HK$70,234
+HK$3,517/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,434/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,277
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,400
−HK$2,158/mo
Today · 4.125%
HK$72,558
baseline
▲ 0.50% · 4.625%
HK$76,973
+HK$4,415/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,116/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,957
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$77,994
−HK$2,067/mo
Today · 4.125%
HK$80,061
baseline
▲ 0.50% · 4.625%
HK$84,281
+HK$4,220/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,122/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,656
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,134
−HK$2,517/mo
Today · 4.125%
HK$84,651
baseline
▲ 0.50% · 4.625%
HK$89,802
+HK$5,151/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,302/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,616
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$90,993
−HK$2,411/mo
Today · 4.125%
HK$93,404
baseline
▲ 0.50% · 4.625%
HK$98,328
+HK$4,924/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,808/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,415
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$105,600
−HK$3,237/mo
Today · 4.125%
HK$108,837
baseline
▲ 0.50% · 4.625%
HK$115,460
+HK$6,623/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$217,674/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,935
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$116,991
−HK$3,100/mo
Today · 4.125%
HK$120,091
baseline
▲ 0.50% · 4.625%
HK$126,421
+HK$6,330/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$240,182/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,463 · Scale 2, in force from 26 Feb 2026)