LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,931
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,701
−HK$1,800/mo
Today · 4.125%
HK$60,501
baseline
▲ 0.50% · 4.625%
HK$64,182
+HK$3,681/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$121,002/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,061,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,335
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,033
−HK$1,723/mo
Today · 4.125%
HK$66,756
baseline
▲ 0.50% · 4.625%
HK$70,275
+HK$3,519/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,512/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,061,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,317
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,442
−HK$2,159/mo
Today · 4.125%
HK$72,601
baseline
▲ 0.50% · 4.625%
HK$77,018
+HK$4,417/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,202/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,002
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,040
−HK$2,068/mo
Today · 4.125%
HK$80,108
baseline
▲ 0.50% · 4.625%
HK$84,330
+HK$4,222/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,216/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,703
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$82,182
−HK$2,519/mo
Today · 4.125%
HK$84,701
baseline
▲ 0.50% · 4.625%
HK$89,855
+HK$5,154/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,402/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,669
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,047
−HK$2,412/mo
Today · 4.125%
HK$93,459
baseline
▲ 0.50% · 4.625%
HK$98,385
+HK$4,926/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,918/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,475
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$105,663
−HK$3,238/mo
Today · 4.125%
HK$108,901
baseline
▲ 0.50% · 4.625%
HK$115,527
+HK$6,626/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,802/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,002
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$117,060
−HK$3,102/mo
Today · 4.125%
HK$120,162
baseline
▲ 0.50% · 4.625%
HK$126,496
+HK$6,334/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,324/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,087 · Scale 2, in force from 26 Feb 2026)