LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,965
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,737
−HK$1,800/mo
Today · 4.125%
HK$60,537
baseline
▲ 0.50% · 4.625%
HK$64,221
+HK$3,684/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,074/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,373
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,073
−HK$1,724/mo
Today · 4.125%
HK$66,797
baseline
▲ 0.50% · 4.625%
HK$70,318
+HK$3,521/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,594/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,358
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,485
−HK$2,160/mo
Today · 4.125%
HK$72,645
baseline
▲ 0.50% · 4.625%
HK$77,065
+HK$4,420/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$145,290/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,048
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,088
−HK$2,069/mo
Today · 4.125%
HK$80,157
baseline
▲ 0.50% · 4.625%
HK$84,382
+HK$4,225/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$160,314/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,751
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$82,232
−HK$2,520/mo
Today · 4.125%
HK$84,752
baseline
▲ 0.50% · 4.625%
HK$89,909
+HK$5,157/mo
Deposit HK$7.49M · loan HK$17.49M · min. income ≈ HK$169,504/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,723
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,102
−HK$2,414/mo
Today · 4.125%
HK$93,516
baseline
▲ 0.50% · 4.625%
HK$98,445
+HK$4,929/mo
Deposit HK$7.49M · loan HK$17.49M · min. income ≈ HK$187,032/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,537
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$105,727
−HK$3,240/mo
Today · 4.125%
HK$108,967
baseline
▲ 0.50% · 4.625%
HK$115,598
+HK$6,631/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,934/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,072
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$117,131
−HK$3,104/mo
Today · 4.125%
HK$120,235
baseline
▲ 0.50% · 4.625%
HK$126,573
+HK$6,338/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,470/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,734 · Scale 2, in force from 26 Feb 2026)