LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,912
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,682
−HK$1,799/mo
Today · 4.125%
HK$60,481
baseline
▲ 0.50% · 4.625%
HK$64,161
+HK$3,680/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,962/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,314
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,012
−HK$1,723/mo
Today · 4.125%
HK$66,735
baseline
▲ 0.50% · 4.625%
HK$70,252
+HK$3,517/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,470/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,294
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,419
−HK$2,158/mo
Today · 4.125%
HK$72,577
baseline
▲ 0.50% · 4.625%
HK$76,993
+HK$4,416/mo
Deposit HK$9.98M · loan HK$14.98M · min. income ≈ HK$145,154/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,977
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$78,014
−HK$2,067/mo
Today · 4.125%
HK$80,081
baseline
▲ 0.50% · 4.625%
HK$84,303
+HK$4,222/mo
Deposit HK$9.98M · loan HK$14.98M · min. income ≈ HK$160,162/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,677
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,155
−HK$2,518/mo
Today · 4.125%
HK$84,673
baseline
▲ 0.50% · 4.625%
HK$89,825
+HK$5,152/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,346/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,639
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,017
−HK$2,411/mo
Today · 4.125%
HK$93,428
baseline
▲ 0.50% · 4.625%
HK$98,353
+HK$4,925/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,856/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,441
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$105,628
−HK$3,237/mo
Today · 4.125%
HK$108,865
baseline
▲ 0.50% · 4.625%
HK$115,490
+HK$6,625/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$217,730/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,965
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$117,021
−HK$3,101/mo
Today · 4.125%
HK$120,122
baseline
▲ 0.50% · 4.625%
HK$126,454
+HK$6,332/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$240,244/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,738 · Scale 2, in force from 26 Feb 2026)