LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,511
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,269
−HK$1,786/mo
Today · 4.125%
HK$60,055
baseline
▲ 0.50% · 4.625%
HK$63,709
+HK$3,654/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,110/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,053,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,868
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,554
−HK$1,711/mo
Today · 4.125%
HK$66,265
baseline
▲ 0.50% · 4.625%
HK$69,758
+HK$3,493/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,530/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,053,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,813
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,923
−HK$2,143/mo
Today · 4.125%
HK$72,066
baseline
▲ 0.50% · 4.625%
HK$76,451
+HK$4,385/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$144,132/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,442
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,465
−HK$2,053/mo
Today · 4.125%
HK$79,518
baseline
▲ 0.50% · 4.625%
HK$83,709
+HK$4,191/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$159,036/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,116
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,577
−HK$2,500/mo
Today · 4.125%
HK$84,077
baseline
▲ 0.50% · 4.625%
HK$89,193
+HK$5,116/mo
Deposit HK$7.43M · loan HK$17.35M · min. income ≈ HK$168,154/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,015
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,376
−HK$2,395/mo
Today · 4.125%
HK$92,771
baseline
▲ 0.50% · 4.625%
HK$97,661
+HK$4,890/mo
Deposit HK$7.43M · loan HK$17.35M · min. income ≈ HK$185,542/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,720
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$104,884
−HK$3,215/mo
Today · 4.125%
HK$108,099
baseline
▲ 0.50% · 4.625%
HK$114,677
+HK$6,578/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$216,198/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,163
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$116,198
−HK$3,079/mo
Today · 4.125%
HK$119,277
baseline
▲ 0.50% · 4.625%
HK$125,564
+HK$6,287/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$238,554/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,271 · Scale 2, in force from 26 Feb 2026)