LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,515
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,273
−HK$1,786/mo
Today · 4.125%
HK$60,059
baseline
▲ 0.50% · 4.625%
HK$63,713
+HK$3,654/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,118/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,872
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,558
−HK$1,711/mo
Today · 4.125%
HK$66,269
baseline
▲ 0.50% · 4.625%
HK$69,762
+HK$3,493/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,538/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,818
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,927
−HK$2,143/mo
Today · 4.125%
HK$72,070
baseline
▲ 0.50% · 4.625%
HK$76,456
+HK$4,386/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$144,140/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,446
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,470
−HK$2,053/mo
Today · 4.125%
HK$79,523
baseline
▲ 0.50% · 4.625%
HK$83,714
+HK$4,191/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$159,046/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,121
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,582
−HK$2,500/mo
Today · 4.125%
HK$84,082
baseline
▲ 0.50% · 4.625%
HK$89,198
+HK$5,116/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$168,164/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,021
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,381
−HK$2,395/mo
Today · 4.125%
HK$92,776
baseline
▲ 0.50% · 4.625%
HK$97,667
+HK$4,891/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$185,552/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,726
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$104,891
−HK$3,215/mo
Today · 4.125%
HK$108,106
baseline
▲ 0.50% · 4.625%
HK$114,684
+HK$6,578/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,212/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,170
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$116,205
−HK$3,079/mo
Today · 4.125%
HK$119,284
baseline
▲ 0.50% · 4.625%
HK$125,571
+HK$6,287/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,568/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,335 · Scale 2, in force from 26 Feb 2026)