LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,572
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,332
−HK$1,787/mo
Today · 4.125%
HK$60,119
baseline
▲ 0.50% · 4.625%
HK$63,778
+HK$3,659/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$1,054,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,936
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,624
−HK$1,712/mo
Today · 4.125%
HK$66,336
baseline
▲ 0.50% · 4.625%
HK$69,832
+HK$3,496/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,672/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,886
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,998
−HK$2,145/mo
Today · 4.125%
HK$72,143
baseline
▲ 0.50% · 4.625%
HK$76,533
+HK$4,390/mo
Deposit HK$9.92M · loan HK$14.89M · min. income ≈ HK$144,286/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,523
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,548
−HK$2,055/mo
Today · 4.125%
HK$79,603
baseline
▲ 0.50% · 4.625%
HK$83,799
+HK$4,196/mo
Deposit HK$9.92M · loan HK$14.89M · min. income ≈ HK$159,206/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,201
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,664
−HK$2,503/mo
Today · 4.125%
HK$84,167
baseline
▲ 0.50% · 4.625%
HK$89,289
+HK$5,122/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$168,334/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,110
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,473
−HK$2,397/mo
Today · 4.125%
HK$92,870
baseline
▲ 0.50% · 4.625%
HK$97,765
+HK$4,895/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$185,740/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,829
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$104,997
−HK$3,218/mo
Today · 4.125%
HK$108,215
baseline
▲ 0.50% · 4.625%
HK$114,800
+HK$6,585/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$216,430/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,284
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$116,322
−HK$3,083/mo
Today · 4.125%
HK$119,405
baseline
▲ 0.50% · 4.625%
HK$125,698
+HK$6,293/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$238,810/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,401 · Scale 2, in force from 26 Feb 2026)