LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,312
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,063
−HK$1,780/mo
Today · 4.125%
HK$59,843
baseline
▲ 0.50% · 4.625%
HK$63,484
+HK$3,641/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,686/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,646
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,327
−HK$1,704/mo
Today · 4.125%
HK$66,031
baseline
▲ 0.50% · 4.625%
HK$69,512
+HK$3,481/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,062/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,574
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,676
−HK$2,136/mo
Today · 4.125%
HK$71,812
baseline
▲ 0.50% · 4.625%
HK$76,181
+HK$4,369/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,624/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,176
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,192
−HK$2,045/mo
Today · 4.125%
HK$79,237
baseline
▲ 0.50% · 4.625%
HK$83,414
+HK$4,177/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,474/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,837
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,289
−HK$2,491/mo
Today · 4.125%
HK$83,780
baseline
▲ 0.50% · 4.625%
HK$88,878
+HK$5,098/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,560/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,705
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,057
−HK$2,386/mo
Today · 4.125%
HK$92,443
baseline
▲ 0.50% · 4.625%
HK$97,316
+HK$4,873/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,886/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,361
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$104,514
−HK$3,204/mo
Today · 4.125%
HK$107,718
baseline
▲ 0.50% · 4.625%
HK$114,272
+HK$6,554/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$215,436/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,763
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$115,788
−HK$3,068/mo
Today · 4.125%
HK$118,856
baseline
▲ 0.50% · 4.625%
HK$125,121
+HK$6,265/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$237,712/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,555 · Scale 2, in force from 26 Feb 2026)