LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,560
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,320
−HK$1,787/mo
Today · 4.125%
HK$60,107
baseline
▲ 0.50% · 4.625%
HK$63,765
+HK$3,658/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,214/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,923
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,610
−HK$1,712/mo
Today · 4.125%
HK$66,322
baseline
▲ 0.50% · 4.625%
HK$69,818
+HK$3,496/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,644/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,872
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,984
−HK$2,145/mo
Today · 4.125%
HK$72,129
baseline
▲ 0.50% · 4.625%
HK$76,518
+HK$4,389/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,258/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,507
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,533
−HK$2,054/mo
Today · 4.125%
HK$79,587
baseline
▲ 0.50% · 4.625%
HK$83,782
+HK$4,195/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,174/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,185
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,648
−HK$2,502/mo
Today · 4.125%
HK$84,150
baseline
▲ 0.50% · 4.625%
HK$89,270
+HK$5,120/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,300/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,092
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,455
−HK$2,396/mo
Today · 4.125%
HK$92,851
baseline
▲ 0.50% · 4.625%
HK$97,746
+HK$4,895/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,702/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,809
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$104,976
−HK$3,217/mo
Today · 4.125%
HK$108,193
baseline
▲ 0.50% · 4.625%
HK$114,776
+HK$6,583/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,386/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,261
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$116,299
−HK$3,081/mo
Today · 4.125%
HK$119,380
baseline
▲ 0.50% · 4.625%
HK$125,673
+HK$6,293/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,760/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,188 · Scale 2, in force from 26 Feb 2026)