LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,474
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,231
−HK$1,784/mo
Today · 4.125%
HK$60,015
baseline
▲ 0.50% · 4.625%
HK$63,667
+HK$3,652/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$120,030/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,827
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,512
−HK$1,709/mo
Today · 4.125%
HK$66,221
baseline
▲ 0.50% · 4.625%
HK$69,712
+HK$3,491/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,442/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,769
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,877
−HK$2,141/mo
Today · 4.125%
HK$72,018
baseline
▲ 0.50% · 4.625%
HK$76,401
+HK$4,383/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$144,036/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,392
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,414
−HK$2,051/mo
Today · 4.125%
HK$79,465
baseline
▲ 0.50% · 4.625%
HK$83,654
+HK$4,189/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$158,930/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,063
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,523
−HK$2,498/mo
Today · 4.125%
HK$84,021
baseline
▲ 0.50% · 4.625%
HK$89,134
+HK$5,113/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,042/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,957
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,316
−HK$2,393/mo
Today · 4.125%
HK$92,709
baseline
▲ 0.50% · 4.625%
HK$97,596
+HK$4,887/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,418/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,653
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$104,815
−HK$3,213/mo
Today · 4.125%
HK$108,028
baseline
▲ 0.50% · 4.625%
HK$114,601
+HK$6,573/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$216,056/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,088
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$116,121
−HK$3,077/mo
Today · 4.125%
HK$119,198
baseline
▲ 0.50% · 4.625%
HK$125,481
+HK$6,283/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$238,396/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,575 · Scale 2, in force from 26 Feb 2026)