LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,793
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,528
−HK$1,763/mo
Today · 4.125%
HK$59,291
baseline
▲ 0.50% · 4.625%
HK$62,899
+HK$3,608/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,582/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,069
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,733
−HK$1,689/mo
Today · 4.125%
HK$65,422
baseline
▲ 0.50% · 4.625%
HK$68,870
+HK$3,448/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,844/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,951
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,034
−HK$2,115/mo
Today · 4.125%
HK$71,149
baseline
▲ 0.50% · 4.625%
HK$75,479
+HK$4,330/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$142,298/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,039,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,482
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,480
−HK$2,026/mo
Today · 4.125%
HK$78,506
baseline
▲ 0.50% · 4.625%
HK$82,645
+HK$4,139/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$157,012/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,039,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,110
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$80,539
−HK$2,469/mo
Today · 4.125%
HK$83,008
baseline
▲ 0.50% · 4.625%
HK$88,059
+HK$5,051/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,016/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,896
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$89,227
−HK$2,364/mo
Today · 4.125%
HK$91,591
baseline
▲ 0.50% · 4.625%
HK$96,419
+HK$4,828/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,182/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,427
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,550
−HK$3,174/mo
Today · 4.125%
HK$106,724
baseline
▲ 0.50% · 4.625%
HK$113,218
+HK$6,494/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$213,448/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,724
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$114,720
−HK$3,040/mo
Today · 4.125%
HK$117,760
baseline
▲ 0.50% · 4.625%
HK$123,967
+HK$6,207/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$235,520/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,876 · Scale 2, in force from 26 Feb 2026)