LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,937
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,709
−HK$1,799/mo
Today · 4.125%
HK$60,508
baseline
▲ 0.50% · 4.625%
HK$64,190
+HK$3,682/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$121,016/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,342
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,041
−HK$1,724/mo
Today · 4.125%
HK$66,765
baseline
▲ 0.50% · 4.625%
HK$70,284
+HK$3,519/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,530/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,325
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,450
−HK$2,159/mo
Today · 4.125%
HK$72,609
baseline
▲ 0.50% · 4.625%
HK$77,028
+HK$4,419/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,218/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,011
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,049
−HK$2,068/mo
Today · 4.125%
HK$80,117
baseline
▲ 0.50% · 4.625%
HK$84,341
+HK$4,224/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,234/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,712
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,192
−HK$2,519/mo
Today · 4.125%
HK$84,711
baseline
▲ 0.50% · 4.625%
HK$89,866
+HK$5,155/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,422/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,679
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$91,058
−HK$2,412/mo
Today · 4.125%
HK$93,470
baseline
▲ 0.50% · 4.625%
HK$98,397
+HK$4,927/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,940/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,487
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$105,675
−HK$3,239/mo
Today · 4.125%
HK$108,914
baseline
▲ 0.50% · 4.625%
HK$115,541
+HK$6,627/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,828/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,016
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$117,074
−HK$3,102/mo
Today · 4.125%
HK$120,176
baseline
▲ 0.50% · 4.625%
HK$126,511
+HK$6,335/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,352/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,215 · Scale 2, in force from 26 Feb 2026)