LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,920
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,690
−HK$1,799/mo
Today · 4.125%
HK$60,489
baseline
▲ 0.50% · 4.625%
HK$64,169
+HK$3,680/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,978/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,322
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,021
−HK$1,722/mo
Today · 4.125%
HK$66,743
baseline
▲ 0.50% · 4.625%
HK$70,262
+HK$3,519/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,486/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,303
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,428
−HK$2,159/mo
Today · 4.125%
HK$72,587
baseline
▲ 0.50% · 4.625%
HK$77,003
+HK$4,416/mo
Deposit HK$9.98M · loan HK$14.98M · min. income ≈ HK$145,174/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,060,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,987
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,025
−HK$2,067/mo
Today · 4.125%
HK$80,092
baseline
▲ 0.50% · 4.625%
HK$84,314
+HK$4,222/mo
Deposit HK$9.98M · loan HK$14.98M · min. income ≈ HK$160,184/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,060,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,687
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,166
−HK$2,518/mo
Today · 4.125%
HK$84,684
baseline
▲ 0.50% · 4.625%
HK$89,837
+HK$5,153/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,368/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,651
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,029
−HK$2,412/mo
Today · 4.125%
HK$93,441
baseline
▲ 0.50% · 4.625%
HK$98,366
+HK$4,925/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,882/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,455
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$105,642
−HK$3,238/mo
Today · 4.125%
HK$108,880
baseline
▲ 0.50% · 4.625%
HK$115,505
+HK$6,625/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,760/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,980
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$117,037
−HK$3,101/mo
Today · 4.125%
HK$120,138
baseline
▲ 0.50% · 4.625%
HK$126,471
+HK$6,333/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,276/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,881 · Scale 2, in force from 26 Feb 2026)