LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,916
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,686
−HK$1,799/mo
Today · 4.125%
HK$60,485
baseline
▲ 0.50% · 4.625%
HK$64,165
+HK$3,680/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,970/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,318
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,016
−HK$1,723/mo
Today · 4.125%
HK$66,739
baseline
▲ 0.50% · 4.625%
HK$70,257
+HK$3,518/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,478/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,299
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,423
−HK$2,159/mo
Today · 4.125%
HK$72,582
baseline
▲ 0.50% · 4.625%
HK$76,998
+HK$4,416/mo
Deposit HK$9.98M · loan HK$14.98M · min. income ≈ HK$145,164/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,982
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,020
−HK$2,067/mo
Today · 4.125%
HK$80,087
baseline
▲ 0.50% · 4.625%
HK$84,309
+HK$4,222/mo
Deposit HK$9.98M · loan HK$14.98M · min. income ≈ HK$160,174/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,682
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,161
−HK$2,518/mo
Today · 4.125%
HK$84,679
baseline
▲ 0.50% · 4.625%
HK$89,831
+HK$5,152/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,358/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,646
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,023
−HK$2,412/mo
Today · 4.125%
HK$93,435
baseline
▲ 0.50% · 4.625%
HK$98,360
+HK$4,925/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,870/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,448
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$105,635
−HK$3,238/mo
Today · 4.125%
HK$108,873
baseline
▲ 0.50% · 4.625%
HK$115,498
+HK$6,625/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$217,746/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,973
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$117,030
−HK$3,101/mo
Today · 4.125%
HK$120,131
baseline
▲ 0.50% · 4.625%
HK$126,463
+HK$6,332/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$240,262/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,812 · Scale 2, in force from 26 Feb 2026)