LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,939
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,710
−HK$1,799/mo
Today · 4.125%
HK$60,509
baseline
▲ 0.50% · 4.625%
HK$64,191
+HK$3,682/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,018/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,344
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,043
−HK$1,723/mo
Today · 4.125%
HK$66,766
baseline
▲ 0.50% · 4.625%
HK$70,285
+HK$3,519/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,532/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,326
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,452
−HK$2,159/mo
Today · 4.125%
HK$72,611
baseline
▲ 0.50% · 4.625%
HK$77,029
+HK$4,418/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,222/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,012
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,051
−HK$2,068/mo
Today · 4.125%
HK$80,119
baseline
▲ 0.50% · 4.625%
HK$84,342
+HK$4,223/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,238/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,714
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,194
−HK$2,519/mo
Today · 4.125%
HK$84,713
baseline
▲ 0.50% · 4.625%
HK$89,867
+HK$5,154/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,426/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,681
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$91,060
−HK$2,412/mo
Today · 4.125%
HK$93,472
baseline
▲ 0.50% · 4.625%
HK$98,399
+HK$4,927/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,944/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,490
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$105,678
−HK$3,239/mo
Today · 4.125%
HK$108,917
baseline
▲ 0.50% · 4.625%
HK$115,544
+HK$6,627/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,834/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,019
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$117,077
−HK$3,102/mo
Today · 4.125%
HK$120,179
baseline
▲ 0.50% · 4.625%
HK$126,513
+HK$6,334/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,358/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,237 · Scale 2, in force from 26 Feb 2026)