LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,493
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,250
−HK$1,786/mo
Today · 4.125%
HK$60,036
baseline
▲ 0.50% · 4.625%
HK$63,689
+HK$3,653/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,072/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,848
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,534
−HK$1,710/mo
Today · 4.125%
HK$66,244
baseline
▲ 0.50% · 4.625%
HK$69,735
+HK$3,491/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,488/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,792
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,900
−HK$2,143/mo
Today · 4.125%
HK$72,043
baseline
▲ 0.50% · 4.625%
HK$76,427
+HK$4,384/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$144,086/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,418
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,440
−HK$2,052/mo
Today · 4.125%
HK$79,492
baseline
▲ 0.50% · 4.625%
HK$83,682
+HK$4,190/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$158,984/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,090
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,551
−HK$2,499/mo
Today · 4.125%
HK$84,050
baseline
▲ 0.50% · 4.625%
HK$89,164
+HK$5,114/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,100/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,052,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,987
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,347
−HK$2,394/mo
Today · 4.125%
HK$92,741
baseline
▲ 0.50% · 4.625%
HK$97,629
+HK$4,888/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,482/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,052,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,688
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$104,851
−HK$3,213/mo
Today · 4.125%
HK$108,064
baseline
▲ 0.50% · 4.625%
HK$114,640
+HK$6,576/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$216,128/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,126
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$116,160
−HK$3,078/mo
Today · 4.125%
HK$119,238
baseline
▲ 0.50% · 4.625%
HK$125,524
+HK$6,286/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$238,476/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,934 · Scale 2, in force from 26 Feb 2026)