LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,496
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,254
−HK$1,785/mo
Today · 4.125%
HK$60,039
baseline
▲ 0.50% · 4.625%
HK$63,692
+HK$3,653/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,078/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,852
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,537
−HK$1,710/mo
Today · 4.125%
HK$66,247
baseline
▲ 0.50% · 4.625%
HK$69,739
+HK$3,492/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,494/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,796
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,904
−HK$2,143/mo
Today · 4.125%
HK$72,047
baseline
▲ 0.50% · 4.625%
HK$76,431
+HK$4,384/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$144,094/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,422
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,445
−HK$2,052/mo
Today · 4.125%
HK$79,497
baseline
▲ 0.50% · 4.625%
HK$83,687
+HK$4,190/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$158,994/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,095
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,555
−HK$2,500/mo
Today · 4.125%
HK$84,055
baseline
▲ 0.50% · 4.625%
HK$89,169
+HK$5,114/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,110/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,052,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,992
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,352
−HK$2,394/mo
Today · 4.125%
HK$92,746
baseline
▲ 0.50% · 4.625%
HK$97,635
+HK$4,889/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,492/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,052,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,693
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$104,856
−HK$3,214/mo
Today · 4.125%
HK$108,070
baseline
▲ 0.50% · 4.625%
HK$114,646
+HK$6,576/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$216,140/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,133
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$116,167
−HK$3,078/mo
Today · 4.125%
HK$119,245
baseline
▲ 0.50% · 4.625%
HK$125,530
+HK$6,285/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$238,490/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,992 · Scale 2, in force from 26 Feb 2026)