LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,562
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,321
−HK$1,788/mo
Today · 4.125%
HK$60,109
baseline
▲ 0.50% · 4.625%
HK$63,766
+HK$3,657/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,218/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,925
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,612
−HK$1,712/mo
Today · 4.125%
HK$66,324
baseline
▲ 0.50% · 4.625%
HK$69,820
+HK$3,496/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,648/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,874
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,986
−HK$2,145/mo
Today · 4.125%
HK$72,131
baseline
▲ 0.50% · 4.625%
HK$76,520
+HK$4,389/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,262/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,510
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,535
−HK$2,054/mo
Today · 4.125%
HK$79,589
baseline
▲ 0.50% · 4.625%
HK$83,784
+HK$4,195/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,178/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,187
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,650
−HK$2,502/mo
Today · 4.125%
HK$84,152
baseline
▲ 0.50% · 4.625%
HK$89,273
+HK$5,121/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,304/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,094
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,457
−HK$2,397/mo
Today · 4.125%
HK$92,854
baseline
▲ 0.50% · 4.625%
HK$97,748
+HK$4,894/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,708/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,811
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,978
−HK$3,218/mo
Today · 4.125%
HK$108,196
baseline
▲ 0.50% · 4.625%
HK$114,779
+HK$6,583/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,392/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,264
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$116,302
−HK$3,082/mo
Today · 4.125%
HK$119,384
baseline
▲ 0.50% · 4.625%
HK$125,676
+HK$6,292/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,768/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,216 · Scale 2, in force from 26 Feb 2026)