LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,558
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,317
−HK$1,788/mo
Today · 4.125%
HK$60,105
baseline
▲ 0.50% · 4.625%
HK$63,762
+HK$3,657/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,210/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,920
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,608
−HK$1,711/mo
Today · 4.125%
HK$66,319
baseline
▲ 0.50% · 4.625%
HK$69,815
+HK$3,496/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,638/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,869
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,981
−HK$2,144/mo
Today · 4.125%
HK$72,125
baseline
▲ 0.50% · 4.625%
HK$76,514
+HK$4,389/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,250/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,504
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,529
−HK$2,054/mo
Today · 4.125%
HK$79,583
baseline
▲ 0.50% · 4.625%
HK$83,778
+HK$4,195/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,166/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,181
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,644
−HK$2,502/mo
Today · 4.125%
HK$84,146
baseline
▲ 0.50% · 4.625%
HK$89,266
+HK$5,120/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,292/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,088
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,451
−HK$2,396/mo
Today · 4.125%
HK$92,847
baseline
▲ 0.50% · 4.625%
HK$97,741
+HK$4,894/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,694/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,804
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$104,971
−HK$3,217/mo
Today · 4.125%
HK$108,188
baseline
▲ 0.50% · 4.625%
HK$114,771
+HK$6,583/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,376/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,256
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$116,294
−HK$3,081/mo
Today · 4.125%
HK$119,375
baseline
▲ 0.50% · 4.625%
HK$125,667
+HK$6,292/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,750/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,140 · Scale 2, in force from 26 Feb 2026)