LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,942
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,714
−HK$1,799/mo
Today · 4.125%
HK$60,513
baseline
▲ 0.50% · 4.625%
HK$64,195
+HK$3,682/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,026/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,348
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,047
−HK$1,723/mo
Today · 4.125%
HK$66,770
baseline
▲ 0.50% · 4.625%
HK$70,290
+HK$3,520/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,540/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,331
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,456
−HK$2,160/mo
Today · 4.125%
HK$72,616
baseline
▲ 0.50% · 4.625%
HK$77,034
+HK$4,418/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,232/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,018
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,056
−HK$2,069/mo
Today · 4.125%
HK$80,125
baseline
▲ 0.50% · 4.625%
HK$84,348
+HK$4,223/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,250/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,719
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,199
−HK$2,520/mo
Today · 4.125%
HK$84,719
baseline
▲ 0.50% · 4.625%
HK$89,873
+HK$5,154/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,438/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,687
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,066
−HK$2,413/mo
Today · 4.125%
HK$93,479
baseline
▲ 0.50% · 4.625%
HK$98,406
+HK$4,927/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,958/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,496
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$105,685
−HK$3,239/mo
Today · 4.125%
HK$108,924
baseline
▲ 0.50% · 4.625%
HK$115,552
+HK$6,628/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,848/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,026
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$117,084
−HK$3,103/mo
Today · 4.125%
HK$120,187
baseline
▲ 0.50% · 4.625%
HK$126,522
+HK$6,335/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,374/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,309 · Scale 2, in force from 26 Feb 2026)