LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,564
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,323
−HK$1,788/mo
Today · 4.125%
HK$60,111
baseline
▲ 0.50% · 4.625%
HK$63,768
+HK$3,657/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,222/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,927
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,614
−HK$1,712/mo
Today · 4.125%
HK$66,326
baseline
▲ 0.50% · 4.625%
HK$69,822
+HK$3,496/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,652/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,877
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,988
−HK$2,145/mo
Today · 4.125%
HK$72,133
baseline
▲ 0.50% · 4.625%
HK$76,522
+HK$4,389/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,266/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,512
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,537
−HK$2,055/mo
Today · 4.125%
HK$79,592
baseline
▲ 0.50% · 4.625%
HK$83,787
+HK$4,195/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,184/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,189
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,652
−HK$2,503/mo
Today · 4.125%
HK$84,155
baseline
▲ 0.50% · 4.625%
HK$89,276
+HK$5,121/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,310/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,097
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,460
−HK$2,397/mo
Today · 4.125%
HK$92,857
baseline
▲ 0.50% · 4.625%
HK$97,751
+HK$4,894/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,714/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,815
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$104,982
−HK$3,217/mo
Today · 4.125%
HK$108,199
baseline
▲ 0.50% · 4.625%
HK$114,783
+HK$6,584/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$216,398/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,268
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$116,306
−HK$3,081/mo
Today · 4.125%
HK$119,387
baseline
▲ 0.50% · 4.625%
HK$125,680
+HK$6,293/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$238,774/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,250 · Scale 2, in force from 26 Feb 2026)