LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,465
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,221
−HK$1,784/mo
Today · 4.125%
HK$60,005
baseline
▲ 0.50% · 4.625%
HK$63,657
+HK$3,652/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$120,010/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,816
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,501
−HK$1,709/mo
Today · 4.125%
HK$66,210
baseline
▲ 0.50% · 4.625%
HK$69,700
+HK$3,490/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,420/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,757
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,865
−HK$2,141/mo
Today · 4.125%
HK$72,006
baseline
▲ 0.50% · 4.625%
HK$76,388
+HK$4,382/mo
Deposit HK$9.90M · loan HK$14.86M · min. income ≈ HK$144,012/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,379
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,401
−HK$2,051/mo
Today · 4.125%
HK$79,452
baseline
▲ 0.50% · 4.625%
HK$83,640
+HK$4,188/mo
Deposit HK$9.90M · loan HK$14.86M · min. income ≈ HK$158,904/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,050
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,509
−HK$2,499/mo
Today · 4.125%
HK$84,008
baseline
▲ 0.50% · 4.625%
HK$89,119
+HK$5,111/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$168,016/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,943
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,301
−HK$2,393/mo
Today · 4.125%
HK$92,694
baseline
▲ 0.50% · 4.625%
HK$97,580
+HK$4,886/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$185,388/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,636
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$104,798
−HK$3,212/mo
Today · 4.125%
HK$108,010
baseline
▲ 0.50% · 4.625%
HK$114,582
+HK$6,572/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$216,020/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,069
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$116,102
−HK$3,076/mo
Today · 4.125%
HK$119,178
baseline
▲ 0.50% · 4.625%
HK$125,460
+HK$6,282/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$238,356/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,401 · Scale 2, in force from 26 Feb 2026)