LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,900
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,670
−HK$1,798/mo
Today · 4.125%
HK$60,468
baseline
▲ 0.50% · 4.625%
HK$64,148
+HK$3,680/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,936/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,301
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,998
−HK$1,723/mo
Today · 4.125%
HK$66,721
baseline
▲ 0.50% · 4.625%
HK$70,238
+HK$3,517/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,442/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,280
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,404
−HK$2,158/mo
Today · 4.125%
HK$72,562
baseline
▲ 0.50% · 4.625%
HK$76,977
+HK$4,415/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,124/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,961
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$77,998
−HK$2,067/mo
Today · 4.125%
HK$80,065
baseline
▲ 0.50% · 4.625%
HK$84,285
+HK$4,220/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,130/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,660
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,138
−HK$2,518/mo
Today · 4.125%
HK$84,656
baseline
▲ 0.50% · 4.625%
HK$89,807
+HK$5,151/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,312/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,621
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$90,998
−HK$2,411/mo
Today · 4.125%
HK$93,409
baseline
▲ 0.50% · 4.625%
HK$98,333
+HK$4,924/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,818/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,420
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$105,606
−HK$3,237/mo
Today · 4.125%
HK$108,843
baseline
▲ 0.50% · 4.625%
HK$115,466
+HK$6,623/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$217,686/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,941
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$116,997
−HK$3,100/mo
Today · 4.125%
HK$120,097
baseline
▲ 0.50% · 4.625%
HK$126,428
+HK$6,331/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$240,194/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,519 · Scale 2, in force from 26 Feb 2026)