LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,926
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,697
−HK$1,799/mo
Today · 4.125%
HK$60,496
baseline
▲ 0.50% · 4.625%
HK$64,177
+HK$3,681/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,992/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,061,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,330
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,028
−HK$1,723/mo
Today · 4.125%
HK$66,751
baseline
▲ 0.50% · 4.625%
HK$70,270
+HK$3,519/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,502/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,061,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,311
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,436
−HK$2,159/mo
Today · 4.125%
HK$72,595
baseline
▲ 0.50% · 4.625%
HK$77,012
+HK$4,417/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,190/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,996
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,034
−HK$2,068/mo
Today · 4.125%
HK$80,102
baseline
▲ 0.50% · 4.625%
HK$84,324
+HK$4,222/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,204/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,697
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,176
−HK$2,518/mo
Today · 4.125%
HK$84,694
baseline
▲ 0.50% · 4.625%
HK$89,848
+HK$5,154/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,388/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,662
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,040
−HK$2,412/mo
Today · 4.125%
HK$93,452
baseline
▲ 0.50% · 4.625%
HK$98,378
+HK$4,926/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,904/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,467
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$105,654
−HK$3,239/mo
Today · 4.125%
HK$108,893
baseline
▲ 0.50% · 4.625%
HK$115,519
+HK$6,626/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,786/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,994
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$117,051
−HK$3,101/mo
Today · 4.125%
HK$120,152
baseline
▲ 0.50% · 4.625%
HK$126,486
+HK$6,334/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,304/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,005 · Scale 2, in force from 26 Feb 2026)