LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,306
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,057
−HK$1,780/mo
Today · 4.125%
HK$59,837
baseline
▲ 0.50% · 4.625%
HK$63,478
+HK$3,641/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,674/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,640
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,320
−HK$1,704/mo
Today · 4.125%
HK$66,024
baseline
▲ 0.50% · 4.625%
HK$69,504
+HK$3,480/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,048/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,567
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,669
−HK$2,135/mo
Today · 4.125%
HK$71,804
baseline
▲ 0.50% · 4.625%
HK$76,173
+HK$4,369/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,608/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,168
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,184
−HK$2,045/mo
Today · 4.125%
HK$79,229
baseline
▲ 0.50% · 4.625%
HK$83,405
+HK$4,176/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,458/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,828
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,280
−HK$2,491/mo
Today · 4.125%
HK$83,771
baseline
▲ 0.50% · 4.625%
HK$88,869
+HK$5,098/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$167,542/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,696
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,048
−HK$2,385/mo
Today · 4.125%
HK$92,433
baseline
▲ 0.50% · 4.625%
HK$97,306
+HK$4,873/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$184,866/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,351
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$104,503
−HK$3,203/mo
Today · 4.125%
HK$107,706
baseline
▲ 0.50% · 4.625%
HK$114,260
+HK$6,554/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$215,412/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,751
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$115,775
−HK$3,068/mo
Today · 4.125%
HK$118,843
baseline
▲ 0.50% · 4.625%
HK$125,107
+HK$6,264/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$237,686/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,443 · Scale 2, in force from 26 Feb 2026)