LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,489
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,247
−HK$1,785/mo
Today · 4.125%
HK$60,032
baseline
▲ 0.50% · 4.625%
HK$63,685
+HK$3,653/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,064/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,844
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,529
−HK$1,710/mo
Today · 4.125%
HK$66,239
baseline
▲ 0.50% · 4.625%
HK$69,731
+HK$3,492/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,478/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,787
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,896
−HK$2,142/mo
Today · 4.125%
HK$72,038
baseline
▲ 0.50% · 4.625%
HK$76,422
+HK$4,384/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$144,076/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,413
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,435
−HK$2,052/mo
Today · 4.125%
HK$79,487
baseline
▲ 0.50% · 4.625%
HK$83,677
+HK$4,190/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$158,974/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,085
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,545
−HK$2,500/mo
Today · 4.125%
HK$84,045
baseline
▲ 0.50% · 4.625%
HK$89,159
+HK$5,114/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,090/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,982
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$90,341
−HK$2,394/mo
Today · 4.125%
HK$92,735
baseline
▲ 0.50% · 4.625%
HK$97,623
+HK$4,888/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,470/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,681
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$104,844
−HK$3,213/mo
Today · 4.125%
HK$108,057
baseline
▲ 0.50% · 4.625%
HK$114,632
+HK$6,575/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$216,114/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,119
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$116,153
−HK$3,078/mo
Today · 4.125%
HK$119,231
baseline
▲ 0.50% · 4.625%
HK$125,515
+HK$6,284/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$238,462/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,866 · Scale 2, in force from 26 Feb 2026)