LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,311
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,063
−HK$1,780/mo
Today · 4.125%
HK$59,843
baseline
▲ 0.50% · 4.625%
HK$63,484
+HK$3,641/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,686/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,646
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,326
−HK$1,704/mo
Today · 4.125%
HK$66,030
baseline
▲ 0.50% · 4.625%
HK$69,511
+HK$3,481/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,060/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,574
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,676
−HK$2,135/mo
Today · 4.125%
HK$71,811
baseline
▲ 0.50% · 4.625%
HK$76,181
+HK$4,370/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,622/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,175
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,191
−HK$2,046/mo
Today · 4.125%
HK$79,237
baseline
▲ 0.50% · 4.625%
HK$83,413
+HK$4,176/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,474/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,836
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$81,288
−HK$2,492/mo
Today · 4.125%
HK$83,780
baseline
▲ 0.50% · 4.625%
HK$88,877
+HK$5,097/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,560/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,704
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$90,056
−HK$2,387/mo
Today · 4.125%
HK$92,443
baseline
▲ 0.50% · 4.625%
HK$97,315
+HK$4,872/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,886/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,361
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$104,513
−HK$3,204/mo
Today · 4.125%
HK$107,717
baseline
▲ 0.50% · 4.625%
HK$114,271
+HK$6,554/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$215,434/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,763
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$115,787
−HK$3,068/mo
Today · 4.125%
HK$118,855
baseline
▲ 0.50% · 4.625%
HK$125,120
+HK$6,265/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$237,710/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,547 · Scale 2, in force from 26 Feb 2026)