LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,935
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,706
−HK$1,799/mo
Today · 4.125%
HK$60,505
baseline
▲ 0.50% · 4.625%
HK$64,186
+HK$3,681/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$121,010/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,339
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,038
−HK$1,723/mo
Today · 4.125%
HK$66,761
baseline
▲ 0.50% · 4.625%
HK$70,280
+HK$3,519/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,522/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,322
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,447
−HK$2,159/mo
Today · 4.125%
HK$72,606
baseline
▲ 0.50% · 4.625%
HK$77,024
+HK$4,418/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,212/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,007
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,045
−HK$2,068/mo
Today · 4.125%
HK$80,113
baseline
▲ 0.50% · 4.625%
HK$84,336
+HK$4,223/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,226/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,708
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,188
−HK$2,519/mo
Today · 4.125%
HK$84,707
baseline
▲ 0.50% · 4.625%
HK$89,861
+HK$5,154/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,414/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,675
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$91,053
−HK$2,413/mo
Today · 4.125%
HK$93,466
baseline
▲ 0.50% · 4.625%
HK$98,392
+HK$4,926/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,932/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,482
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$105,670
−HK$3,239/mo
Today · 4.125%
HK$108,909
baseline
▲ 0.50% · 4.625%
HK$115,536
+HK$6,627/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,818/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,011
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$117,068
−HK$3,102/mo
Today · 4.125%
HK$120,170
baseline
▲ 0.50% · 4.625%
HK$126,504
+HK$6,334/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,340/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,162 · Scale 2, in force from 26 Feb 2026)