LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,966
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,738
−HK$1,801/mo
Today · 4.125%
HK$60,539
baseline
▲ 0.50% · 4.625%
HK$64,222
+HK$3,683/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,078/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,374
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,074
−HK$1,724/mo
Today · 4.125%
HK$66,798
baseline
▲ 0.50% · 4.625%
HK$70,319
+HK$3,521/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,596/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,360
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,486
−HK$2,160/mo
Today · 4.125%
HK$72,646
baseline
▲ 0.50% · 4.625%
HK$77,067
+HK$4,421/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$145,292/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,049
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,089
−HK$2,069/mo
Today · 4.125%
HK$80,158
baseline
▲ 0.50% · 4.625%
HK$84,383
+HK$4,225/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$160,316/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,753
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$82,234
−HK$2,520/mo
Today · 4.125%
HK$84,754
baseline
▲ 0.50% · 4.625%
HK$89,911
+HK$5,157/mo
Deposit HK$7.49M · loan HK$17.49M · min. income ≈ HK$169,508/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,724
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,104
−HK$2,414/mo
Today · 4.125%
HK$93,518
baseline
▲ 0.50% · 4.625%
HK$98,447
+HK$4,929/mo
Deposit HK$7.49M · loan HK$17.49M · min. income ≈ HK$187,036/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,539
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$105,729
−HK$3,241/mo
Today · 4.125%
HK$108,970
baseline
▲ 0.50% · 4.625%
HK$115,600
+HK$6,630/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,940/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,074
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$117,133
−HK$3,104/mo
Today · 4.125%
HK$120,237
baseline
▲ 0.50% · 4.625%
HK$126,575
+HK$6,338/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,474/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,754 · Scale 2, in force from 26 Feb 2026)