LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,933
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,704
−HK$1,799/mo
Today · 4.125%
HK$60,503
baseline
▲ 0.50% · 4.625%
HK$64,185
+HK$3,682/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$121,006/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,338
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,036
−HK$1,724/mo
Today · 4.125%
HK$66,760
baseline
▲ 0.50% · 4.625%
HK$70,279
+HK$3,519/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,520/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,320
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,445
−HK$2,159/mo
Today · 4.125%
HK$72,604
baseline
▲ 0.50% · 4.625%
HK$77,022
+HK$4,418/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,208/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,005
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,044
−HK$2,067/mo
Today · 4.125%
HK$80,111
baseline
▲ 0.50% · 4.625%
HK$84,334
+HK$4,223/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,222/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,706
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,186
−HK$2,519/mo
Today · 4.125%
HK$84,705
baseline
▲ 0.50% · 4.625%
HK$89,859
+HK$5,154/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,410/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,673
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,051
−HK$2,412/mo
Today · 4.125%
HK$93,463
baseline
▲ 0.50% · 4.625%
HK$98,390
+HK$4,927/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,926/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,480
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$105,667
−HK$3,239/mo
Today · 4.125%
HK$108,906
baseline
▲ 0.50% · 4.625%
HK$115,533
+HK$6,627/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,812/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,008
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$117,065
−HK$3,102/mo
Today · 4.125%
HK$120,167
baseline
▲ 0.50% · 4.625%
HK$126,501
+HK$6,334/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,334/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,136 · Scale 2, in force from 26 Feb 2026)