LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,918
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,689
−HK$1,799/mo
Today · 4.125%
HK$60,488
baseline
▲ 0.50% · 4.625%
HK$64,168
+HK$3,680/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,976/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,321
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,019
−HK$1,723/mo
Today · 4.125%
HK$66,742
baseline
▲ 0.50% · 4.625%
HK$70,260
+HK$3,518/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,484/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,302
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,427
−HK$2,158/mo
Today · 4.125%
HK$72,585
baseline
▲ 0.50% · 4.625%
HK$77,002
+HK$4,417/mo
Deposit HK$9.98M · loan HK$14.98M · min. income ≈ HK$145,170/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,060,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,985
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,023
−HK$2,068/mo
Today · 4.125%
HK$80,091
baseline
▲ 0.50% · 4.625%
HK$84,312
+HK$4,221/mo
Deposit HK$9.98M · loan HK$14.98M · min. income ≈ HK$160,182/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,060,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,686
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,164
−HK$2,519/mo
Today · 4.125%
HK$84,683
baseline
▲ 0.50% · 4.625%
HK$89,836
+HK$5,153/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,366/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,650
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,027
−HK$2,412/mo
Today · 4.125%
HK$93,439
baseline
▲ 0.50% · 4.625%
HK$98,364
+HK$4,925/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,878/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,453
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$105,640
−HK$3,238/mo
Today · 4.125%
HK$108,878
baseline
▲ 0.50% · 4.625%
HK$115,503
+HK$6,625/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,756/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,978
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$117,035
−HK$3,101/mo
Today · 4.125%
HK$120,136
baseline
▲ 0.50% · 4.625%
HK$126,469
+HK$6,333/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,272/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,861 · Scale 2, in force from 26 Feb 2026)