LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,911
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,681
−HK$1,798/mo
Today · 4.125%
HK$60,479
baseline
▲ 0.50% · 4.625%
HK$64,159
+HK$3,680/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,958/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,312
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,010
−HK$1,723/mo
Today · 4.125%
HK$66,733
baseline
▲ 0.50% · 4.625%
HK$70,251
+HK$3,518/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,466/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,293
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,417
−HK$2,158/mo
Today · 4.125%
HK$72,575
baseline
▲ 0.50% · 4.625%
HK$76,991
+HK$4,416/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,150/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,975
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,013
−HK$2,067/mo
Today · 4.125%
HK$80,080
baseline
▲ 0.50% · 4.625%
HK$84,301
+HK$4,221/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,160/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,675
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,153
−HK$2,518/mo
Today · 4.125%
HK$84,671
baseline
▲ 0.50% · 4.625%
HK$89,823
+HK$5,152/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,342/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,637
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,015
−HK$2,411/mo
Today · 4.125%
HK$93,426
baseline
▲ 0.50% · 4.625%
HK$98,351
+HK$4,925/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,852/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,439
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$105,625
−HK$3,238/mo
Today · 4.125%
HK$108,863
baseline
▲ 0.50% · 4.625%
HK$115,487
+HK$6,624/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$217,726/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,962
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$117,019
−HK$3,100/mo
Today · 4.125%
HK$120,119
baseline
▲ 0.50% · 4.625%
HK$126,451
+HK$6,332/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$240,238/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,714 · Scale 2, in force from 26 Feb 2026)