LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,951
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,722
−HK$1,800/mo
Today · 4.125%
HK$60,522
baseline
▲ 0.50% · 4.625%
HK$64,205
+HK$3,683/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$1,061,462 · 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$1,061,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,341
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,467
−HK$2,159/mo
Today · 4.125%
HK$72,626
baseline
▲ 0.50% · 4.625%
HK$77,046
+HK$4,420/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$1,061,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,028
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,068
−HK$2,068/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$1,061,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,731
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,211
−HK$2,520/mo
Today · 4.125%
HK$84,731
baseline
▲ 0.50% · 4.625%
HK$89,886
+HK$5,155/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,462/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,700
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,079
−HK$2,413/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$1,061,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,511
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$105,700
−HK$3,240/mo
Today · 4.125%
HK$108,940
baseline
▲ 0.50% · 4.625%
HK$115,568
+HK$6,628/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,880/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,043
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$117,101
−HK$3,103/mo
Today · 4.125%
HK$120,204
baseline
▲ 0.50% · 4.625%
HK$126,540
+HK$6,336/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,408/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,462 · Scale 2, in force from 26 Feb 2026)