LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,971
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,743
−HK$1,801/mo
Today · 4.125%
HK$60,544
baseline
▲ 0.50% · 4.625%
HK$64,228
+HK$3,684/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,088/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,380
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,080
−HK$1,724/mo
Today · 4.125%
HK$66,804
baseline
▲ 0.50% · 4.625%
HK$70,325
+HK$3,521/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,608/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,365
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,492
−HK$2,161/mo
Today · 4.125%
HK$72,653
baseline
▲ 0.50% · 4.625%
HK$77,073
+HK$4,420/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$145,306/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,061,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,056
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,096
−HK$2,069/mo
Today · 4.125%
HK$80,165
baseline
▲ 0.50% · 4.625%
HK$84,391
+HK$4,226/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$160,330/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,061,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,760
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$82,241
−HK$2,520/mo
Today · 4.125%
HK$84,761
baseline
▲ 0.50% · 4.625%
HK$89,919
+HK$5,158/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$169,522/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,732
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,112
−HK$2,414/mo
Today · 4.125%
HK$93,526
baseline
▲ 0.50% · 4.625%
HK$98,456
+HK$4,930/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$187,052/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,548
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$105,738
−HK$3,241/mo
Today · 4.125%
HK$108,979
baseline
▲ 0.50% · 4.625%
HK$115,610
+HK$6,631/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$217,958/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,084
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$117,144
−HK$3,103/mo
Today · 4.125%
HK$120,247
baseline
▲ 0.50% · 4.625%
HK$126,586
+HK$6,339/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$240,494/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,845 · Scale 2, in force from 26 Feb 2026)