LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,950
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,722
−HK$1,800/mo
Today · 4.125%
HK$60,522
baseline
▲ 0.50% · 4.625%
HK$64,204
+HK$3,682/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,044/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,357
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,056
−HK$1,724/mo
Today · 4.125%
HK$66,780
baseline
▲ 0.50% · 4.625%
HK$70,300
+HK$3,520/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,560/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,340
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,466
−HK$2,160/mo
Today · 4.125%
HK$72,626
baseline
▲ 0.50% · 4.625%
HK$77,045
+HK$4,419/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$145,252/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,028
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,067
−HK$2,069/mo
Today · 4.125%
HK$80,136
baseline
▲ 0.50% · 4.625%
HK$84,360
+HK$4,224/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$160,272/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,730
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,211
−HK$2,519/mo
Today · 4.125%
HK$84,730
baseline
▲ 0.50% · 4.625%
HK$89,886
+HK$5,156/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,460/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,699
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,078
−HK$2,414/mo
Today · 4.125%
HK$93,492
baseline
▲ 0.50% · 4.625%
HK$98,420
+HK$4,928/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,984/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,511
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$105,699
−HK$3,240/mo
Today · 4.125%
HK$108,939
baseline
▲ 0.50% · 4.625%
HK$115,568
+HK$6,629/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,878/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,042
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$117,101
−HK$3,102/mo
Today · 4.125%
HK$120,203
baseline
▲ 0.50% · 4.625%
HK$126,539
+HK$6,336/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,406/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,456 · Scale 2, in force from 26 Feb 2026)