LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,533
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,291
−HK$1,787/mo
Today · 4.125%
HK$60,078
baseline
▲ 0.50% · 4.625%
HK$63,734
+HK$3,656/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,156/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,892
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,579
−HK$1,711/mo
Today · 4.125%
HK$66,290
baseline
▲ 0.50% · 4.625%
HK$69,784
+HK$3,494/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,580/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,840
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,950
−HK$2,144/mo
Today · 4.125%
HK$72,094
baseline
▲ 0.50% · 4.625%
HK$76,480
+HK$4,386/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,188/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,471
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,495
−HK$2,053/mo
Today · 4.125%
HK$79,548
baseline
▲ 0.50% · 4.625%
HK$83,741
+HK$4,193/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,096/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,146
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,608
−HK$2,501/mo
Today · 4.125%
HK$84,109
baseline
▲ 0.50% · 4.625%
HK$89,227
+HK$5,118/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$168,218/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,049
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,411
−HK$2,395/mo
Today · 4.125%
HK$92,806
baseline
▲ 0.50% · 4.625%
HK$97,698
+HK$4,892/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$185,612/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,759
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$104,925
−HK$3,216/mo
Today · 4.125%
HK$108,141
baseline
▲ 0.50% · 4.625%
HK$114,721
+HK$6,580/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,282/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,206
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$116,242
−HK$3,080/mo
Today · 4.125%
HK$119,322
baseline
▲ 0.50% · 4.625%
HK$125,612
+HK$6,290/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,644/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,676 · Scale 2, in force from 26 Feb 2026)