LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,948
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,719
−HK$1,800/mo
Today · 4.125%
HK$60,519
baseline
▲ 0.50% · 4.625%
HK$64,201
+HK$3,682/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,038/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,354
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,053
−HK$1,723/mo
Today · 4.125%
HK$66,776
baseline
▲ 0.50% · 4.625%
HK$70,296
+HK$3,520/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,552/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,337
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,463
−HK$2,159/mo
Today · 4.125%
HK$72,622
baseline
▲ 0.50% · 4.625%
HK$77,041
+HK$4,419/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,244/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,024
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,063
−HK$2,069/mo
Today · 4.125%
HK$80,132
baseline
▲ 0.50% · 4.625%
HK$84,356
+HK$4,224/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,264/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,727
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,207
−HK$2,519/mo
Today · 4.125%
HK$84,726
baseline
▲ 0.50% · 4.625%
HK$89,882
+HK$5,156/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,452/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,695
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,074
−HK$2,413/mo
Today · 4.125%
HK$93,487
baseline
▲ 0.50% · 4.625%
HK$98,415
+HK$4,928/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,974/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,506
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$105,694
−HK$3,240/mo
Today · 4.125%
HK$108,934
baseline
▲ 0.50% · 4.625%
HK$115,562
+HK$6,628/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,868/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,037
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$117,095
−HK$3,103/mo
Today · 4.125%
HK$120,198
baseline
▲ 0.50% · 4.625%
HK$126,533
+HK$6,335/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,396/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,405 · Scale 2, in force from 26 Feb 2026)