LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,486
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,243
−HK$1,785/mo
Today · 4.125%
HK$60,028
baseline
▲ 0.50% · 4.625%
HK$63,681
+HK$3,653/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,056/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,840
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,526
−HK$1,709/mo
Today · 4.125%
HK$66,235
baseline
▲ 0.50% · 4.625%
HK$69,727
+HK$3,492/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,470/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,783
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,892
−HK$2,142/mo
Today · 4.125%
HK$72,034
baseline
▲ 0.50% · 4.625%
HK$76,417
+HK$4,383/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$144,068/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,408
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,431
−HK$2,051/mo
Today · 4.125%
HK$79,482
baseline
▲ 0.50% · 4.625%
HK$83,672
+HK$4,190/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$158,964/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,081
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,541
−HK$2,499/mo
Today · 4.125%
HK$84,040
baseline
▲ 0.50% · 4.625%
HK$89,153
+HK$5,113/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,080/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,976
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,336
−HK$2,394/mo
Today · 4.125%
HK$92,730
baseline
▲ 0.50% · 4.625%
HK$97,617
+HK$4,887/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,460/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,675
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$104,838
−HK$3,213/mo
Today · 4.125%
HK$108,051
baseline
▲ 0.50% · 4.625%
HK$114,626
+HK$6,575/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$216,102/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,113
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$116,146
−HK$3,078/mo
Today · 4.125%
HK$119,224
baseline
▲ 0.50% · 4.625%
HK$125,508
+HK$6,284/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$238,448/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,804 · Scale 2, in force from 26 Feb 2026)