LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,462
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,219
−HK$1,784/mo
Today · 4.125%
HK$60,003
baseline
▲ 0.50% · 4.625%
HK$63,654
+HK$3,651/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$120,006/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,814
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,498
−HK$1,710/mo
Today · 4.125%
HK$66,208
baseline
▲ 0.50% · 4.625%
HK$69,697
+HK$3,489/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,416/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,755
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,862
−HK$2,142/mo
Today · 4.125%
HK$72,004
baseline
▲ 0.50% · 4.625%
HK$76,385
+HK$4,381/mo
Deposit HK$9.90M · loan HK$14.86M · min. income ≈ HK$144,008/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,377
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,398
−HK$2,051/mo
Today · 4.125%
HK$79,449
baseline
▲ 0.50% · 4.625%
HK$83,637
+HK$4,188/mo
Deposit HK$9.90M · loan HK$14.86M · min. income ≈ HK$158,898/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,047
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$81,506
−HK$2,498/mo
Today · 4.125%
HK$84,004
baseline
▲ 0.50% · 4.625%
HK$89,116
+HK$5,112/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$168,008/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,939
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,298
−HK$2,393/mo
Today · 4.125%
HK$92,691
baseline
▲ 0.50% · 4.625%
HK$97,576
+HK$4,885/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$185,382/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,632
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$104,794
−HK$3,212/mo
Today · 4.125%
HK$108,006
baseline
▲ 0.50% · 4.625%
HK$114,577
+HK$6,571/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$216,012/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,065
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$116,097
−HK$3,077/mo
Today · 4.125%
HK$119,174
baseline
▲ 0.50% · 4.625%
HK$125,455
+HK$6,281/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$238,348/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,361 · Scale 2, in force from 26 Feb 2026)