LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,455
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,211
−HK$1,784/mo
Today · 4.125%
HK$59,995
baseline
▲ 0.50% · 4.625%
HK$63,645
+HK$3,650/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$119,990/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,805
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,489
−HK$1,709/mo
Today · 4.125%
HK$66,198
baseline
▲ 0.50% · 4.625%
HK$69,688
+HK$3,490/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,396/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,745
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,853
−HK$2,141/mo
Today · 4.125%
HK$71,994
baseline
▲ 0.50% · 4.625%
HK$76,374
+HK$4,380/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$143,988/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,366
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,387
−HK$2,051/mo
Today · 4.125%
HK$79,438
baseline
▲ 0.50% · 4.625%
HK$83,625
+HK$4,187/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$158,876/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,036
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$81,495
−HK$2,498/mo
Today · 4.125%
HK$83,993
baseline
▲ 0.50% · 4.625%
HK$89,103
+HK$5,110/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$167,986/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,927
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,285
−HK$2,393/mo
Today · 4.125%
HK$92,678
baseline
▲ 0.50% · 4.625%
HK$97,563
+HK$4,885/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$185,356/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,618
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$104,779
−HK$3,211/mo
Today · 4.125%
HK$107,990
baseline
▲ 0.50% · 4.625%
HK$114,561
+HK$6,571/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$215,980/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,049
−HK$6,108/mo
▼ 0.25% · 3.875%
HK$116,081
−HK$3,076/mo
Today · 4.125%
HK$119,157
baseline
▲ 0.50% · 4.625%
HK$125,438
+HK$6,281/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$238,314/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,214 · Scale 2, in force from 26 Feb 2026)