LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,972
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,744
−HK$1,801/mo
Today · 4.125%
HK$60,545
baseline
▲ 0.50% · 4.625%
HK$64,229
+HK$3,684/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,090/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,381
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,081
−HK$1,724/mo
Today · 4.125%
HK$66,805
baseline
▲ 0.50% · 4.625%
HK$70,327
+HK$3,522/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,610/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,367
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,493
−HK$2,161/mo
Today · 4.125%
HK$72,654
baseline
▲ 0.50% · 4.625%
HK$77,075
+HK$4,421/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$145,308/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,061,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,057
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,097
−HK$2,069/mo
Today · 4.125%
HK$80,166
baseline
▲ 0.50% · 4.625%
HK$84,392
+HK$4,226/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$160,332/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,061,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,761
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,242
−HK$2,521/mo
Today · 4.125%
HK$84,763
baseline
▲ 0.50% · 4.625%
HK$89,921
+HK$5,158/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$169,526/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,733
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,113
−HK$2,414/mo
Today · 4.125%
HK$93,527
baseline
▲ 0.50% · 4.625%
HK$98,457
+HK$4,930/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$187,054/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,550
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$105,740
−HK$3,241/mo
Today · 4.125%
HK$108,981
baseline
▲ 0.50% · 4.625%
HK$115,612
+HK$6,631/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$217,962/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,086
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$117,146
−HK$3,104/mo
Today · 4.125%
HK$120,250
baseline
▲ 0.50% · 4.625%
HK$126,588
+HK$6,338/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$240,500/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,864 · Scale 2, in force from 26 Feb 2026)