LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,449
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,205
−HK$1,784/mo
Today · 4.125%
HK$59,989
baseline
▲ 0.50% · 4.625%
HK$63,639
+HK$3,650/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$119,978/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,799
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,483
−HK$1,709/mo
Today · 4.125%
HK$66,192
baseline
▲ 0.50% · 4.625%
HK$69,681
+HK$3,489/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,384/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,739
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,846
−HK$2,140/mo
Today · 4.125%
HK$71,986
baseline
▲ 0.50% · 4.625%
HK$76,367
+HK$4,381/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$143,972/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,052,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,358
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,380
−HK$2,050/mo
Today · 4.125%
HK$79,430
baseline
▲ 0.50% · 4.625%
HK$83,617
+HK$4,187/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$158,860/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,052,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,028
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,487
−HK$2,497/mo
Today · 4.125%
HK$83,984
baseline
▲ 0.50% · 4.625%
HK$89,094
+HK$5,110/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$167,968/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,918
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$90,276
−HK$2,392/mo
Today · 4.125%
HK$92,668
baseline
▲ 0.50% · 4.625%
HK$97,553
+HK$4,885/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$185,336/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,608
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$104,768
−HK$3,212/mo
Today · 4.125%
HK$107,980
baseline
▲ 0.50% · 4.625%
HK$114,550
+HK$6,570/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$215,960/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,038
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$116,069
−HK$3,076/mo
Today · 4.125%
HK$119,145
baseline
▲ 0.50% · 4.625%
HK$125,425
+HK$6,280/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$238,290/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,107 · Scale 2, in force from 26 Feb 2026)