LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,798
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,534
−HK$1,763/mo
Today · 4.125%
HK$59,297
baseline
▲ 0.50% · 4.625%
HK$62,905
+HK$3,608/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,594/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,039,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,075
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,740
−HK$1,688/mo
Today · 4.125%
HK$65,428
baseline
▲ 0.50% · 4.625%
HK$68,877
+HK$3,449/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,856/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,039,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,958
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,040
−HK$2,116/mo
Today · 4.125%
HK$71,156
baseline
▲ 0.50% · 4.625%
HK$75,486
+HK$4,330/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$142,312/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,039,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,490
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,487
−HK$2,027/mo
Today · 4.125%
HK$78,514
baseline
▲ 0.50% · 4.625%
HK$82,653
+HK$4,139/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$157,028/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,039,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,117
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$80,547
−HK$2,469/mo
Today · 4.125%
HK$83,016
baseline
▲ 0.50% · 4.625%
HK$88,067
+HK$5,051/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,032/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,905
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$89,235
−HK$2,365/mo
Today · 4.125%
HK$91,600
baseline
▲ 0.50% · 4.625%
HK$96,428
+HK$4,828/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,200/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,436
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$103,561
−HK$3,174/mo
Today · 4.125%
HK$106,735
baseline
▲ 0.50% · 4.625%
HK$113,229
+HK$6,494/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$213,470/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,735
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$114,731
−HK$3,040/mo
Today · 4.125%
HK$117,771
baseline
▲ 0.50% · 4.625%
HK$123,979
+HK$6,208/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$235,542/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,978 · Scale 2, in force from 26 Feb 2026)