LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,500
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,257
−HK$1,786/mo
Today · 4.125%
HK$60,043
baseline
▲ 0.50% · 4.625%
HK$63,696
+HK$3,653/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,086/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,053,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,855
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,541
−HK$1,710/mo
Today · 4.125%
HK$66,251
baseline
▲ 0.50% · 4.625%
HK$69,743
+HK$3,492/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,502/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,053,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,800
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,909
−HK$2,142/mo
Today · 4.125%
HK$72,051
baseline
▲ 0.50% · 4.625%
HK$76,435
+HK$4,384/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$144,102/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,053,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,426
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,449
−HK$2,052/mo
Today · 4.125%
HK$79,501
baseline
▲ 0.50% · 4.625%
HK$83,692
+HK$4,191/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$159,002/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,053,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,100
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,560
−HK$2,500/mo
Today · 4.125%
HK$84,060
baseline
▲ 0.50% · 4.625%
HK$89,175
+HK$5,115/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,120/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,997
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,358
−HK$2,394/mo
Today · 4.125%
HK$92,752
baseline
▲ 0.50% · 4.625%
HK$97,641
+HK$4,889/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,504/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,699
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$104,863
−HK$3,214/mo
Today · 4.125%
HK$108,077
baseline
▲ 0.50% · 4.625%
HK$114,653
+HK$6,576/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$216,154/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,140
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$116,174
−HK$3,078/mo
Today · 4.125%
HK$119,252
baseline
▲ 0.50% · 4.625%
HK$125,538
+HK$6,286/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$238,504/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,056 · Scale 2, in force from 26 Feb 2026)