LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,925
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,695
−HK$1,799/mo
Today · 4.125%
HK$60,494
baseline
▲ 0.50% · 4.625%
HK$64,175
+HK$3,681/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$1,060,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,328
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,026
−HK$1,723/mo
Today · 4.125%
HK$66,749
baseline
▲ 0.50% · 4.625%
HK$70,268
+HK$3,519/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$1,060,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,310
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,434
−HK$2,159/mo
Today · 4.125%
HK$72,593
baseline
▲ 0.50% · 4.625%
HK$77,010
+HK$4,417/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,186/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,060,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,994
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,032
−HK$2,067/mo
Today · 4.125%
HK$80,099
baseline
▲ 0.50% · 4.625%
HK$84,321
+HK$4,222/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,198/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,060,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,694
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$82,173
−HK$2,519/mo
Today · 4.125%
HK$84,692
baseline
▲ 0.50% · 4.625%
HK$89,845
+HK$5,153/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,384/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,659
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,037
−HK$2,412/mo
Today · 4.125%
HK$93,449
baseline
▲ 0.50% · 4.625%
HK$98,375
+HK$4,926/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,898/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,464
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$105,651
−HK$3,239/mo
Today · 4.125%
HK$108,890
baseline
▲ 0.50% · 4.625%
HK$115,515
+HK$6,625/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,780/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,990
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$117,048
−HK$3,101/mo
Today · 4.125%
HK$120,149
baseline
▲ 0.50% · 4.625%
HK$126,482
+HK$6,333/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,298/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,975 · Scale 2, in force from 26 Feb 2026)