LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,940
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,711
−HK$1,799/mo
Today · 4.125%
HK$60,510
baseline
▲ 0.50% · 4.625%
HK$64,192
+HK$3,682/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,020/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,345
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,044
−HK$1,723/mo
Today · 4.125%
HK$66,767
baseline
▲ 0.50% · 4.625%
HK$70,286
+HK$3,519/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,534/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,328
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,453
−HK$2,159/mo
Today · 4.125%
HK$72,612
baseline
▲ 0.50% · 4.625%
HK$77,031
+HK$4,419/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,224/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,014
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,052
−HK$2,069/mo
Today · 4.125%
HK$80,121
baseline
▲ 0.50% · 4.625%
HK$84,344
+HK$4,223/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,242/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,715
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,195
−HK$2,519/mo
Today · 4.125%
HK$84,714
baseline
▲ 0.50% · 4.625%
HK$89,869
+HK$5,155/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,428/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,683
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$91,061
−HK$2,413/mo
Today · 4.125%
HK$93,474
baseline
▲ 0.50% · 4.625%
HK$98,401
+HK$4,927/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,948/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,491
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$105,679
−HK$3,239/mo
Today · 4.125%
HK$108,918
baseline
▲ 0.50% · 4.625%
HK$115,546
+HK$6,628/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,836/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,021
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$117,079
−HK$3,102/mo
Today · 4.125%
HK$120,181
baseline
▲ 0.50% · 4.625%
HK$126,516
+HK$6,335/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,362/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,256 · Scale 2, in force from 26 Feb 2026)