LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,934
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,705
−HK$1,799/mo
Today · 4.125%
HK$60,504
baseline
▲ 0.50% · 4.625%
HK$64,186
+HK$3,682/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$121,008/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,338
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,037
−HK$1,723/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$1,061,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,321
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,446
−HK$2,159/mo
Today · 4.125%
HK$72,605
baseline
▲ 0.50% · 4.625%
HK$77,023
+HK$4,418/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,210/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,006
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,044
−HK$2,068/mo
Today · 4.125%
HK$80,112
baseline
▲ 0.50% · 4.625%
HK$84,335
+HK$4,223/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,224/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,707
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,187
−HK$2,519/mo
Today · 4.125%
HK$84,706
baseline
▲ 0.50% · 4.625%
HK$89,860
+HK$5,154/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,412/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,674
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,052
−HK$2,412/mo
Today · 4.125%
HK$93,464
baseline
▲ 0.50% · 4.625%
HK$98,391
+HK$4,927/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,928/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,481
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$105,669
−HK$3,238/mo
Today · 4.125%
HK$108,907
baseline
▲ 0.50% · 4.625%
HK$115,534
+HK$6,627/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,814/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,009
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$117,067
−HK$3,101/mo
Today · 4.125%
HK$120,168
baseline
▲ 0.50% · 4.625%
HK$126,503
+HK$6,335/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,336/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,147 · Scale 2, in force from 26 Feb 2026)