LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,446
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,202
−HK$1,784/mo
Today · 4.125%
HK$59,986
baseline
▲ 0.50% · 4.625%
HK$63,636
+HK$3,650/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$119,972/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,796
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,480
−HK$1,709/mo
Today · 4.125%
HK$66,189
baseline
▲ 0.50% · 4.625%
HK$69,678
+HK$3,489/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,378/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,736
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,843
−HK$2,140/mo
Today · 4.125%
HK$71,983
baseline
▲ 0.50% · 4.625%
HK$76,363
+HK$4,380/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$143,966/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,052,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,355
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,376
−HK$2,050/mo
Today · 4.125%
HK$79,426
baseline
▲ 0.50% · 4.625%
HK$83,613
+HK$4,187/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$158,852/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,052,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,025
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$81,483
−HK$2,497/mo
Today · 4.125%
HK$83,980
baseline
▲ 0.50% · 4.625%
HK$89,090
+HK$5,110/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$167,960/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,914
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$90,272
−HK$2,392/mo
Today · 4.125%
HK$92,664
baseline
▲ 0.50% · 4.625%
HK$97,549
+HK$4,885/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$185,328/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,603
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$104,764
−HK$3,211/mo
Today · 4.125%
HK$107,975
baseline
▲ 0.50% · 4.625%
HK$114,545
+HK$6,570/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$215,950/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,033
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$116,064
−HK$3,076/mo
Today · 4.125%
HK$119,140
baseline
▲ 0.50% · 4.625%
HK$125,420
+HK$6,280/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$238,280/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,062 · Scale 2, in force from 26 Feb 2026)