LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,305
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,057
−HK$1,779/mo
Today · 4.125%
HK$59,836
baseline
▲ 0.50% · 4.625%
HK$63,477
+HK$3,641/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,672/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,639
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,319
−HK$1,704/mo
Today · 4.125%
HK$66,023
baseline
▲ 0.50% · 4.625%
HK$69,503
+HK$3,480/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,046/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,566
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,668
−HK$2,135/mo
Today · 4.125%
HK$71,803
baseline
▲ 0.50% · 4.625%
HK$76,172
+HK$4,369/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,606/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,167
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,183
−HK$2,045/mo
Today · 4.125%
HK$79,228
baseline
▲ 0.50% · 4.625%
HK$83,404
+HK$4,176/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,456/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,827
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,279
−HK$2,491/mo
Today · 4.125%
HK$83,770
baseline
▲ 0.50% · 4.625%
HK$88,868
+HK$5,098/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$167,540/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,694
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,046
−HK$2,386/mo
Today · 4.125%
HK$92,432
baseline
▲ 0.50% · 4.625%
HK$97,305
+HK$4,873/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$184,864/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,349
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$104,502
−HK$3,203/mo
Today · 4.125%
HK$107,705
baseline
▲ 0.50% · 4.625%
HK$114,258
+HK$6,553/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$215,410/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,750
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$115,774
−HK$3,068/mo
Today · 4.125%
HK$118,842
baseline
▲ 0.50% · 4.625%
HK$125,106
+HK$6,264/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$237,684/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,430 · Scale 2, in force from 26 Feb 2026)