LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,551
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,310
−HK$1,787/mo
Today · 4.125%
HK$60,097
baseline
▲ 0.50% · 4.625%
HK$63,754
+HK$3,657/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,194/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,054,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,912
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,599
−HK$1,712/mo
Today · 4.125%
HK$66,311
baseline
▲ 0.50% · 4.625%
HK$69,806
+HK$3,495/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,622/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,054,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,861
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,972
−HK$2,144/mo
Today · 4.125%
HK$72,116
baseline
▲ 0.50% · 4.625%
HK$76,505
+HK$4,389/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,232/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,054,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,495
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,519
−HK$2,054/mo
Today · 4.125%
HK$79,573
baseline
▲ 0.50% · 4.625%
HK$83,768
+HK$4,195/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,146/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,054,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,171
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,634
−HK$2,502/mo
Today · 4.125%
HK$84,136
baseline
▲ 0.50% · 4.625%
HK$89,255
+HK$5,119/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,272/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,054,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,077
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,439
−HK$2,397/mo
Today · 4.125%
HK$92,836
baseline
▲ 0.50% · 4.625%
HK$97,729
+HK$4,893/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,672/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,054,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,791
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$104,958
−HK$3,217/mo
Today · 4.125%
HK$108,175
baseline
▲ 0.50% · 4.625%
HK$114,757
+HK$6,582/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,350/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,242
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$116,279
−HK$3,081/mo
Today · 4.125%
HK$119,360
baseline
▲ 0.50% · 4.625%
HK$125,652
+HK$6,292/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,720/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,008 · Scale 2, in force from 26 Feb 2026)