LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,571
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,331
−HK$1,788/mo
Today · 4.125%
HK$60,119
baseline
▲ 0.50% · 4.625%
HK$63,777
+HK$3,658/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,238/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,935
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,623
−HK$1,712/mo
Today · 4.125%
HK$66,335
baseline
▲ 0.50% · 4.625%
HK$69,832
+HK$3,497/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,670/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,885
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,997
−HK$2,145/mo
Today · 4.125%
HK$72,142
baseline
▲ 0.50% · 4.625%
HK$76,532
+HK$4,390/mo
Deposit HK$9.92M · loan HK$14.89M · min. income ≈ HK$144,284/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,522
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,547
−HK$2,055/mo
Today · 4.125%
HK$79,602
baseline
▲ 0.50% · 4.625%
HK$83,798
+HK$4,196/mo
Deposit HK$9.92M · loan HK$14.89M · min. income ≈ HK$159,204/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,200
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,663
−HK$2,503/mo
Today · 4.125%
HK$84,166
baseline
▲ 0.50% · 4.625%
HK$89,287
+HK$5,121/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$168,332/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,109
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,472
−HK$2,397/mo
Today · 4.125%
HK$92,869
baseline
▲ 0.50% · 4.625%
HK$97,764
+HK$4,895/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$185,738/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,828
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,995
−HK$3,218/mo
Today · 4.125%
HK$108,213
baseline
▲ 0.50% · 4.625%
HK$114,798
+HK$6,585/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$216,426/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,283
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$116,321
−HK$3,082/mo
Today · 4.125%
HK$119,403
baseline
▲ 0.50% · 4.625%
HK$125,697
+HK$6,294/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$238,806/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,387 · Scale 2, in force from 26 Feb 2026)