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$1,052,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,834
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,519
−HK$1,709/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$1,052,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,776
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,885
−HK$2,141/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$1,052,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,400
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,423
−HK$2,051/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$1,052,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,072
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,532
−HK$2,499/mo
Today · 4.125%
HK$84,031
baseline
▲ 0.50% · 4.625%
HK$89,144
+HK$5,113/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,062/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,967
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$90,326
−HK$2,394/mo
Today · 4.125%
HK$92,720
baseline
▲ 0.50% · 4.625%
HK$97,607
+HK$4,887/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,440/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,664
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$104,827
−HK$3,213/mo
Today · 4.125%
HK$108,040
baseline
▲ 0.50% · 4.625%
HK$114,614
+HK$6,574/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$216,080/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,101
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$116,134
−HK$3,077/mo
Today · 4.125%
HK$119,211
baseline
▲ 0.50% · 4.625%
HK$125,495
+HK$6,284/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$238,422/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,693 · Scale 2, in force from 26 Feb 2026)