LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,475
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,231
−HK$1,785/mo
Today · 4.125%
HK$60,016
baseline
▲ 0.50% · 4.625%
HK$63,668
+HK$3,652/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$120,032/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,827
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,512
−HK$1,710/mo
Today · 4.125%
HK$66,222
baseline
▲ 0.50% · 4.625%
HK$69,712
+HK$3,490/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,444/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,769
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,877
−HK$2,142/mo
Today · 4.125%
HK$72,019
baseline
▲ 0.50% · 4.625%
HK$76,401
+HK$4,382/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$144,038/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,393
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,415
−HK$2,051/mo
Today · 4.125%
HK$79,466
baseline
▲ 0.50% · 4.625%
HK$83,655
+HK$4,189/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$158,932/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,064
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,524
−HK$2,498/mo
Today · 4.125%
HK$84,022
baseline
▲ 0.50% · 4.625%
HK$89,135
+HK$5,113/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,044/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,958
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,317
−HK$2,393/mo
Today · 4.125%
HK$92,710
baseline
▲ 0.50% · 4.625%
HK$97,597
+HK$4,887/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,420/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,654
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$104,816
−HK$3,213/mo
Today · 4.125%
HK$108,029
baseline
▲ 0.50% · 4.625%
HK$114,602
+HK$6,573/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$216,058/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,089
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$116,122
−HK$3,077/mo
Today · 4.125%
HK$119,199
baseline
▲ 0.50% · 4.625%
HK$125,482
+HK$6,283/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$238,398/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,587 · Scale 2, in force from 26 Feb 2026)