LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,480
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,237
−HK$1,785/mo
Today · 4.125%
HK$60,022
baseline
▲ 0.50% · 4.625%
HK$63,674
+HK$3,652/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$120,044/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,833
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,518
−HK$1,710/mo
Today · 4.125%
HK$66,228
baseline
▲ 0.50% · 4.625%
HK$69,719
+HK$3,491/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,456/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,776
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,884
−HK$2,142/mo
Today · 4.125%
HK$72,026
baseline
▲ 0.50% · 4.625%
HK$76,409
+HK$4,383/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$144,052/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,400
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,422
−HK$2,052/mo
Today · 4.125%
HK$79,474
baseline
▲ 0.50% · 4.625%
HK$83,663
+HK$4,189/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$158,948/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,072
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,531
−HK$2,499/mo
Today · 4.125%
HK$84,030
baseline
▲ 0.50% · 4.625%
HK$89,143
+HK$5,113/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,060/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,967
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,326
−HK$2,393/mo
Today · 4.125%
HK$92,719
baseline
▲ 0.50% · 4.625%
HK$97,607
+HK$4,888/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,438/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,664
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$104,826
−HK$3,213/mo
Today · 4.125%
HK$108,039
baseline
▲ 0.50% · 4.625%
HK$114,613
+HK$6,574/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$216,078/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,100
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$116,133
−HK$3,077/mo
Today · 4.125%
HK$119,210
baseline
▲ 0.50% · 4.625%
HK$125,494
+HK$6,284/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$238,420/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,687 · Scale 2, in force from 26 Feb 2026)