LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,569
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,329
−HK$1,788/mo
Today · 4.125%
HK$60,117
baseline
▲ 0.50% · 4.625%
HK$63,775
+HK$3,658/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,234/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,933
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,621
−HK$1,712/mo
Today · 4.125%
HK$66,333
baseline
▲ 0.50% · 4.625%
HK$69,829
+HK$3,496/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,666/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,883
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,995
−HK$2,145/mo
Today · 4.125%
HK$72,140
baseline
▲ 0.50% · 4.625%
HK$76,530
+HK$4,390/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,280/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,519
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,545
−HK$2,054/mo
Today · 4.125%
HK$79,599
baseline
▲ 0.50% · 4.625%
HK$83,795
+HK$4,196/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,198/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,197
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,660
−HK$2,503/mo
Today · 4.125%
HK$84,163
baseline
▲ 0.50% · 4.625%
HK$89,284
+HK$5,121/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$168,326/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,106
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,469
−HK$2,397/mo
Today · 4.125%
HK$92,866
baseline
▲ 0.50% · 4.625%
HK$97,761
+HK$4,895/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$185,732/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,825
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,992
−HK$3,218/mo
Today · 4.125%
HK$108,210
baseline
▲ 0.50% · 4.625%
HK$114,794
+HK$6,584/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$216,420/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,279
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$116,317
−HK$3,082/mo
Today · 4.125%
HK$119,399
baseline
▲ 0.50% · 4.625%
HK$125,693
+HK$6,294/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$238,798/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,353 · Scale 2, in force from 26 Feb 2026)