LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,308
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,059
−HK$1,780/mo
Today · 4.125%
HK$59,839
baseline
▲ 0.50% · 4.625%
HK$63,480
+HK$3,641/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,678/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,642
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,322
−HK$1,704/mo
Today · 4.125%
HK$66,026
baseline
▲ 0.50% · 4.625%
HK$69,506
+HK$3,480/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,052/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,569
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,671
−HK$2,135/mo
Today · 4.125%
HK$71,806
baseline
▲ 0.50% · 4.625%
HK$76,176
+HK$4,370/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,612/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,170
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,186
−HK$2,045/mo
Today · 4.125%
HK$79,231
baseline
▲ 0.50% · 4.625%
HK$83,408
+HK$4,177/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,462/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,831
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,283
−HK$2,491/mo
Today · 4.125%
HK$83,774
baseline
▲ 0.50% · 4.625%
HK$88,872
+HK$5,098/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,548/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,698
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$90,050
−HK$2,387/mo
Today · 4.125%
HK$92,437
baseline
▲ 0.50% · 4.625%
HK$97,309
+HK$4,872/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,874/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,354
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$104,507
−HK$3,203/mo
Today · 4.125%
HK$107,710
baseline
▲ 0.50% · 4.625%
HK$114,264
+HK$6,554/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$215,420/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,755
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$115,779
−HK$3,068/mo
Today · 4.125%
HK$118,847
baseline
▲ 0.50% · 4.625%
HK$125,112
+HK$6,265/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$237,694/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,478 · Scale 2, in force from 26 Feb 2026)