LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,476
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,233
−HK$1,785/mo
Today · 4.125%
HK$60,018
baseline
▲ 0.50% · 4.625%
HK$63,669
+HK$3,651/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$120,036/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,829
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,514
−HK$1,709/mo
Today · 4.125%
HK$66,223
baseline
▲ 0.50% · 4.625%
HK$69,714
+HK$3,491/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,446/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,771
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,879
−HK$2,142/mo
Today · 4.125%
HK$72,021
baseline
▲ 0.50% · 4.625%
HK$76,403
+HK$4,382/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$144,042/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,395
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,417
−HK$2,051/mo
Today · 4.125%
HK$79,468
baseline
▲ 0.50% · 4.625%
HK$83,657
+HK$4,189/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$158,936/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,066
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,526
−HK$2,499/mo
Today · 4.125%
HK$84,025
baseline
▲ 0.50% · 4.625%
HK$89,137
+HK$5,112/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,050/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,961
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,320
−HK$2,393/mo
Today · 4.125%
HK$92,713
baseline
▲ 0.50% · 4.625%
HK$97,600
+HK$4,887/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,426/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,657
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$104,819
−HK$3,213/mo
Today · 4.125%
HK$108,032
baseline
▲ 0.50% · 4.625%
HK$114,605
+HK$6,573/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$216,064/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,092
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$116,125
−HK$3,077/mo
Today · 4.125%
HK$119,202
baseline
▲ 0.50% · 4.625%
HK$125,485
+HK$6,283/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$238,404/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,614 · Scale 2, in force from 26 Feb 2026)