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$63,646
+HK$3,651/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$1,052,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,805
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,490
−HK$1,709/mo
Today · 4.125%
HK$66,199
baseline
▲ 0.50% · 4.625%
HK$69,688
+HK$3,489/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,398/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,746
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,853
−HK$2,141/mo
Today · 4.125%
HK$71,994
baseline
▲ 0.50% · 4.625%
HK$76,375
+HK$4,381/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$1,052,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,366
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,388
−HK$2,050/mo
Today · 4.125%
HK$79,438
baseline
▲ 0.50% · 4.625%
HK$83,626
+HK$4,188/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$1,052,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,037
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,495
−HK$2,498/mo
Today · 4.125%
HK$83,993
baseline
▲ 0.50% · 4.625%
HK$89,104
+HK$5,111/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$1,052,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,928
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$90,286
−HK$2,392/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$1,052,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,619
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$104,780
−HK$3,211/mo
Today · 4.125%
HK$107,991
baseline
▲ 0.50% · 4.625%
HK$114,562
+HK$6,571/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$215,982/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,050
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$116,082
−HK$3,075/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$1,052,220 · Scale 2, in force from 26 Feb 2026)