LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,925
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,696
−HK$1,799/mo
Today · 4.125%
HK$60,495
baseline
▲ 0.50% · 4.625%
HK$64,176
+HK$3,681/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,990/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,329
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,027
−HK$1,723/mo
Today · 4.125%
HK$66,750
baseline
▲ 0.50% · 4.625%
HK$70,269
+HK$3,519/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,500/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,311
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,435
−HK$2,159/mo
Today · 4.125%
HK$72,594
baseline
▲ 0.50% · 4.625%
HK$77,011
+HK$4,417/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,188/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,060,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,995
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,033
−HK$2,068/mo
Today · 4.125%
HK$80,101
baseline
▲ 0.50% · 4.625%
HK$84,323
+HK$4,222/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,202/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,060,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,696
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,175
−HK$2,518/mo
Today · 4.125%
HK$84,693
baseline
▲ 0.50% · 4.625%
HK$89,847
+HK$5,154/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,386/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,661
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,038
−HK$2,413/mo
Today · 4.125%
HK$93,451
baseline
▲ 0.50% · 4.625%
HK$98,377
+HK$4,926/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,902/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,466
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$105,653
−HK$3,238/mo
Today · 4.125%
HK$108,891
baseline
▲ 0.50% · 4.625%
HK$115,517
+HK$6,626/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,782/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,992
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$117,049
−HK$3,102/mo
Today · 4.125%
HK$120,151
baseline
▲ 0.50% · 4.625%
HK$126,484
+HK$6,333/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,302/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,991 · Scale 2, in force from 26 Feb 2026)