LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,949
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,720
−HK$1,800/mo
Today · 4.125%
HK$60,520
baseline
▲ 0.50% · 4.625%
HK$64,203
+HK$3,683/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,040/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,355
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,054
−HK$1,724/mo
Today · 4.125%
HK$66,778
baseline
▲ 0.50% · 4.625%
HK$70,298
+HK$3,520/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,556/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,339
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,464
−HK$2,160/mo
Today · 4.125%
HK$72,624
baseline
▲ 0.50% · 4.625%
HK$77,043
+HK$4,419/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,248/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,026
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,065
−HK$2,069/mo
Today · 4.125%
HK$80,134
baseline
▲ 0.50% · 4.625%
HK$84,357
+HK$4,223/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,268/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,728
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,208
−HK$2,520/mo
Today · 4.125%
HK$84,728
baseline
▲ 0.50% · 4.625%
HK$89,884
+HK$5,156/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,456/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,697
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,076
−HK$2,413/mo
Today · 4.125%
HK$93,489
baseline
▲ 0.50% · 4.625%
HK$98,417
+HK$4,928/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,978/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,508
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$105,697
−HK$3,239/mo
Today · 4.125%
HK$108,936
baseline
▲ 0.50% · 4.625%
HK$115,565
+HK$6,629/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,872/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,039
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$117,098
−HK$3,102/mo
Today · 4.125%
HK$120,200
baseline
▲ 0.50% · 4.625%
HK$126,536
+HK$6,336/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,400/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,428 · Scale 2, in force from 26 Feb 2026)