LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,450
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,206
−HK$1,784/mo
Today · 4.125%
HK$59,990
baseline
▲ 0.50% · 4.625%
HK$63,640
+HK$3,650/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$119,980/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,800
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,484
−HK$1,709/mo
Today · 4.125%
HK$66,193
baseline
▲ 0.50% · 4.625%
HK$69,682
+HK$3,489/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,386/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,740
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,847
−HK$2,141/mo
Today · 4.125%
HK$71,988
baseline
▲ 0.50% · 4.625%
HK$76,368
+HK$4,380/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$143,976/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,052,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,360
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,381
−HK$2,050/mo
Today · 4.125%
HK$79,431
baseline
▲ 0.50% · 4.625%
HK$83,618
+HK$4,187/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$158,862/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,052,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,030
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,488
−HK$2,498/mo
Today · 4.125%
HK$83,986
baseline
▲ 0.50% · 4.625%
HK$89,096
+HK$5,110/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$167,972/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,920
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$90,278
−HK$2,392/mo
Today · 4.125%
HK$92,670
baseline
▲ 0.50% · 4.625%
HK$97,555
+HK$4,885/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$185,340/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,610
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$104,770
−HK$3,211/mo
Today · 4.125%
HK$107,981
baseline
▲ 0.50% · 4.625%
HK$114,552
+HK$6,571/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$215,962/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,040
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$116,071
−HK$3,076/mo
Today · 4.125%
HK$119,147
baseline
▲ 0.50% · 4.625%
HK$125,427
+HK$6,280/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$238,294/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,126 · Scale 2, in force from 26 Feb 2026)