LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,562
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,322
−HK$1,787/mo
Today · 4.125%
HK$60,109
baseline
▲ 0.50% · 4.625%
HK$63,767
+HK$3,658/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$1,054,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,925
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,613
−HK$1,712/mo
Today · 4.125%
HK$66,325
baseline
▲ 0.50% · 4.625%
HK$69,821
+HK$3,496/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,650/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,875
−HK$4,256/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$1,054,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,510
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,535
−HK$2,055/mo
Today · 4.125%
HK$79,590
baseline
▲ 0.50% · 4.625%
HK$83,785
+HK$4,195/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,180/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,187
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,651
−HK$2,502/mo
Today · 4.125%
HK$84,153
baseline
▲ 0.50% · 4.625%
HK$89,274
+HK$5,121/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,306/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,095
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,458
−HK$2,397/mo
Today · 4.125%
HK$92,855
baseline
▲ 0.50% · 4.625%
HK$97,749
+HK$4,894/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,710/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,812
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,979
−HK$3,218/mo
Today · 4.125%
HK$108,197
baseline
▲ 0.50% · 4.625%
HK$114,781
+HK$6,584/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,394/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,265
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$116,303
−HK$3,082/mo
Today · 4.125%
HK$119,385
baseline
▲ 0.50% · 4.625%
HK$125,678
+HK$6,293/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,770/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,226 · Scale 2, in force from 26 Feb 2026)