LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,461
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,217
−HK$1,785/mo
Today · 4.125%
HK$60,002
baseline
▲ 0.50% · 4.625%
HK$63,653
+HK$3,651/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$120,004/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,812
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,497
−HK$1,709/mo
Today · 4.125%
HK$66,206
baseline
▲ 0.50% · 4.625%
HK$69,696
+HK$3,490/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,412/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,753
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,861
−HK$2,141/mo
Today · 4.125%
HK$72,002
baseline
▲ 0.50% · 4.625%
HK$76,383
+HK$4,381/mo
Deposit HK$9.90M · loan HK$14.86M · min. income ≈ HK$144,004/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,375
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,396
−HK$2,051/mo
Today · 4.125%
HK$79,447
baseline
▲ 0.50% · 4.625%
HK$83,635
+HK$4,188/mo
Deposit HK$9.90M · loan HK$14.86M · min. income ≈ HK$158,894/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,046
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,504
−HK$2,498/mo
Today · 4.125%
HK$84,002
baseline
▲ 0.50% · 4.625%
HK$89,114
+HK$5,112/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$168,004/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,937
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,296
−HK$2,392/mo
Today · 4.125%
HK$92,688
baseline
▲ 0.50% · 4.625%
HK$97,574
+HK$4,886/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$185,376/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,630
−HK$6,373/mo
▼ 0.25% · 3.875%
HK$104,791
−HK$3,212/mo
Today · 4.125%
HK$108,003
baseline
▲ 0.50% · 4.625%
HK$114,575
+HK$6,572/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$216,006/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,062
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$116,095
−HK$3,076/mo
Today · 4.125%
HK$119,171
baseline
▲ 0.50% · 4.625%
HK$125,452
+HK$6,281/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$238,342/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,337 · Scale 2, in force from 26 Feb 2026)