LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,924
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,695
−HK$1,799/mo
Today · 4.125%
HK$60,494
baseline
▲ 0.50% · 4.625%
HK$64,174
+HK$3,680/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,988/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,327
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,026
−HK$1,723/mo
Today · 4.125%
HK$66,749
baseline
▲ 0.50% · 4.625%
HK$70,267
+HK$3,518/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,498/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,309
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,434
−HK$2,158/mo
Today · 4.125%
HK$72,592
baseline
▲ 0.50% · 4.625%
HK$77,009
+HK$4,417/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,184/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,060,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,993
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,031
−HK$2,067/mo
Today · 4.125%
HK$80,098
baseline
▲ 0.50% · 4.625%
HK$84,321
+HK$4,223/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,196/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,060,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,694
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,172
−HK$2,519/mo
Today · 4.125%
HK$84,691
baseline
▲ 0.50% · 4.625%
HK$89,844
+HK$5,153/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,382/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,658
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,036
−HK$2,412/mo
Today · 4.125%
HK$93,448
baseline
▲ 0.50% · 4.625%
HK$98,374
+HK$4,926/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,896/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,463
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$105,650
−HK$3,238/mo
Today · 4.125%
HK$108,888
baseline
▲ 0.50% · 4.625%
HK$115,514
+HK$6,626/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,776/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,989
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$117,046
−HK$3,102/mo
Today · 4.125%
HK$120,148
baseline
▲ 0.50% · 4.625%
HK$126,481
+HK$6,333/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,296/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,963 · Scale 2, in force from 26 Feb 2026)