LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,479
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,236
−HK$1,784/mo
Today · 4.125%
HK$60,020
baseline
▲ 0.50% · 4.625%
HK$63,673
+HK$3,653/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$120,040/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,832
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,517
−HK$1,710/mo
Today · 4.125%
HK$66,227
baseline
▲ 0.50% · 4.625%
HK$69,718
+HK$3,491/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,454/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,774
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,883
−HK$2,142/mo
Today · 4.125%
HK$72,025
baseline
▲ 0.50% · 4.625%
HK$76,407
+HK$4,382/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$144,050/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,398
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,421
−HK$2,051/mo
Today · 4.125%
HK$79,472
baseline
▲ 0.50% · 4.625%
HK$83,661
+HK$4,189/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$158,944/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,070
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,530
−HK$2,499/mo
Today · 4.125%
HK$84,029
baseline
▲ 0.50% · 4.625%
HK$89,142
+HK$5,113/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,058/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,965
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,324
−HK$2,393/mo
Today · 4.125%
HK$92,717
baseline
▲ 0.50% · 4.625%
HK$97,605
+HK$4,888/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,434/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,662
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$104,824
−HK$3,213/mo
Today · 4.125%
HK$108,037
baseline
▲ 0.50% · 4.625%
HK$114,611
+HK$6,574/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$216,074/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,098
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$116,131
−HK$3,077/mo
Today · 4.125%
HK$119,208
baseline
▲ 0.50% · 4.625%
HK$125,492
+HK$6,284/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$238,416/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,666 · Scale 2, in force from 26 Feb 2026)