LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,956
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,728
−HK$1,800/mo
Today · 4.125%
HK$60,528
baseline
▲ 0.50% · 4.625%
HK$64,211
+HK$3,683/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,056/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,363
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,063
−HK$1,724/mo
Today · 4.125%
HK$66,787
baseline
▲ 0.50% · 4.625%
HK$70,307
+HK$3,520/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,574/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,348
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,474
−HK$2,160/mo
Today · 4.125%
HK$72,634
baseline
▲ 0.50% · 4.625%
HK$77,053
+HK$4,419/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$145,268/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,036
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,075
−HK$2,069/mo
Today · 4.125%
HK$80,144
baseline
▲ 0.50% · 4.625%
HK$84,369
+HK$4,225/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$160,288/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,739
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,219
−HK$2,520/mo
Today · 4.125%
HK$84,739
baseline
▲ 0.50% · 4.625%
HK$89,895
+HK$5,156/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,478/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,709
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,088
−HK$2,413/mo
Today · 4.125%
HK$93,501
baseline
▲ 0.50% · 4.625%
HK$98,430
+HK$4,929/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$187,002/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,521
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$105,710
−HK$3,240/mo
Today · 4.125%
HK$108,950
baseline
▲ 0.50% · 4.625%
HK$115,580
+HK$6,630/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,900/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,054
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$117,113
−HK$3,103/mo
Today · 4.125%
HK$120,216
baseline
▲ 0.50% · 4.625%
HK$126,553
+HK$6,337/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,432/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,567 · Scale 2, in force from 26 Feb 2026)