LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,492
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,249
−HK$1,786/mo
Today · 4.125%
HK$60,035
baseline
▲ 0.50% · 4.625%
HK$63,688
+HK$3,653/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,070/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,847
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,533
−HK$1,709/mo
Today · 4.125%
HK$66,242
baseline
▲ 0.50% · 4.625%
HK$69,734
+HK$3,492/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,484/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,791
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,899
−HK$2,143/mo
Today · 4.125%
HK$72,042
baseline
▲ 0.50% · 4.625%
HK$76,425
+HK$4,383/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$144,084/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,416
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,439
−HK$2,052/mo
Today · 4.125%
HK$79,491
baseline
▲ 0.50% · 4.625%
HK$83,681
+HK$4,190/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$158,982/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,089
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,549
−HK$2,500/mo
Today · 4.125%
HK$84,049
baseline
▲ 0.50% · 4.625%
HK$89,163
+HK$5,114/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,098/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,052,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,986
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$90,346
−HK$2,393/mo
Today · 4.125%
HK$92,739
baseline
▲ 0.50% · 4.625%
HK$97,628
+HK$4,889/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,478/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,052,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,686
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$104,849
−HK$3,214/mo
Today · 4.125%
HK$108,063
baseline
▲ 0.50% · 4.625%
HK$114,638
+HK$6,575/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$216,126/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,125
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$116,159
−HK$3,077/mo
Today · 4.125%
HK$119,236
baseline
▲ 0.50% · 4.625%
HK$125,522
+HK$6,286/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$238,472/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,917 · Scale 2, in force from 26 Feb 2026)