LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,487
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,244
−HK$1,786/mo
Today · 4.125%
HK$60,030
baseline
▲ 0.50% · 4.625%
HK$63,682
+HK$3,652/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,060/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,842
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,527
−HK$1,710/mo
Today · 4.125%
HK$66,237
baseline
▲ 0.50% · 4.625%
HK$69,728
+HK$3,491/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,474/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,785
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,893
−HK$2,143/mo
Today · 4.125%
HK$72,036
baseline
▲ 0.50% · 4.625%
HK$76,419
+HK$4,383/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$144,072/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,410
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,432
−HK$2,052/mo
Today · 4.125%
HK$79,484
baseline
▲ 0.50% · 4.625%
HK$83,674
+HK$4,190/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$158,968/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,082
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,542
−HK$2,499/mo
Today · 4.125%
HK$84,041
baseline
▲ 0.50% · 4.625%
HK$89,155
+HK$5,114/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,082/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,978
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$90,338
−HK$2,393/mo
Today · 4.125%
HK$92,731
baseline
▲ 0.50% · 4.625%
HK$97,619
+HK$4,888/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,462/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,677
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$104,840
−HK$3,213/mo
Today · 4.125%
HK$108,053
baseline
▲ 0.50% · 4.625%
HK$114,628
+HK$6,575/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$216,106/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,115
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$116,149
−HK$3,077/mo
Today · 4.125%
HK$119,226
baseline
▲ 0.50% · 4.625%
HK$125,511
+HK$6,285/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$238,452/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,826 · Scale 2, in force from 26 Feb 2026)