LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,469
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,225
−HK$1,785/mo
Today · 4.125%
HK$60,010
baseline
▲ 0.50% · 4.625%
HK$63,661
+HK$3,651/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$120,020/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,821
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,506
−HK$1,709/mo
Today · 4.125%
HK$66,215
baseline
▲ 0.50% · 4.625%
HK$69,705
+HK$3,490/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,430/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,763
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,870
−HK$2,142/mo
Today · 4.125%
HK$72,012
baseline
▲ 0.50% · 4.625%
HK$76,394
+HK$4,382/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$144,024/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,385
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,407
−HK$2,051/mo
Today · 4.125%
HK$79,458
baseline
▲ 0.50% · 4.625%
HK$83,646
+HK$4,188/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$158,916/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,056
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,516
−HK$2,498/mo
Today · 4.125%
HK$84,014
baseline
▲ 0.50% · 4.625%
HK$89,126
+HK$5,112/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$168,028/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,950
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,308
−HK$2,393/mo
Today · 4.125%
HK$92,701
baseline
▲ 0.50% · 4.625%
HK$97,588
+HK$4,887/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$185,402/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,644
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$104,806
−HK$3,212/mo
Today · 4.125%
HK$108,018
baseline
▲ 0.50% · 4.625%
HK$114,591
+HK$6,573/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$216,036/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,078
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$116,111
−HK$3,076/mo
Today · 4.125%
HK$119,187
baseline
▲ 0.50% · 4.625%
HK$125,470
+HK$6,283/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$238,374/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,482 · Scale 2, in force from 26 Feb 2026)