LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,978
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,750
−HK$1,801/mo
Today · 4.125%
HK$60,551
baseline
▲ 0.50% · 4.625%
HK$64,235
+HK$3,684/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,102/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,061,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,387
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,087
−HK$1,725/mo
Today · 4.125%
HK$66,812
baseline
▲ 0.50% · 4.625%
HK$70,333
+HK$3,521/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,624/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,061,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,373
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,500
−HK$2,161/mo
Today · 4.125%
HK$72,661
baseline
▲ 0.50% · 4.625%
HK$77,082
+HK$4,421/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$145,322/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,061,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,064
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,104
−HK$2,070/mo
Today · 4.125%
HK$80,174
baseline
▲ 0.50% · 4.625%
HK$84,400
+HK$4,226/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$160,348/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,061,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,769
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,250
−HK$2,521/mo
Today · 4.125%
HK$84,771
baseline
▲ 0.50% · 4.625%
HK$89,929
+HK$5,158/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$169,542/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,742
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,122
−HK$2,414/mo
Today · 4.125%
HK$93,536
baseline
▲ 0.50% · 4.625%
HK$98,467
+HK$4,931/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$187,072/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,560
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$105,750
−HK$3,241/mo
Today · 4.125%
HK$108,991
baseline
▲ 0.50% · 4.625%
HK$115,623
+HK$6,632/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$217,982/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,097
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$117,157
−HK$3,104/mo
Today · 4.125%
HK$120,261
baseline
▲ 0.50% · 4.625%
HK$126,600
+HK$6,339/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$240,522/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,964 · Scale 2, in force from 26 Feb 2026)