LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,959
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,731
−HK$1,800/mo
Today · 4.125%
HK$60,531
baseline
▲ 0.50% · 4.625%
HK$64,214
+HK$3,683/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,062/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,366
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,066
−HK$1,724/mo
Today · 4.125%
HK$66,790
baseline
▲ 0.50% · 4.625%
HK$70,310
+HK$3,520/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,580/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,351
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,477
−HK$2,160/mo
Today · 4.125%
HK$72,637
baseline
▲ 0.50% · 4.625%
HK$77,057
+HK$4,420/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$145,274/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,039
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,079
−HK$2,069/mo
Today · 4.125%
HK$80,148
baseline
▲ 0.50% · 4.625%
HK$84,372
+HK$4,224/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$160,296/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,742
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$82,223
−HK$2,520/mo
Today · 4.125%
HK$84,743
baseline
▲ 0.50% · 4.625%
HK$89,899
+HK$5,156/mo
Deposit HK$7.49M · loan HK$17.49M · min. income ≈ HK$169,486/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,713
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,092
−HK$2,414/mo
Today · 4.125%
HK$93,506
baseline
▲ 0.50% · 4.625%
HK$98,434
+HK$4,928/mo
Deposit HK$7.49M · loan HK$17.49M · min. income ≈ HK$187,012/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,526
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$105,715
−HK$3,240/mo
Today · 4.125%
HK$108,955
baseline
▲ 0.50% · 4.625%
HK$115,585
+HK$6,630/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,910/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,059
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$117,118
−HK$3,103/mo
Today · 4.125%
HK$120,221
baseline
▲ 0.50% · 4.625%
HK$126,558
+HK$6,337/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,442/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,615 · Scale 2, in force from 26 Feb 2026)