LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,313
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,065
−HK$1,780/mo
Today · 4.125%
HK$59,845
baseline
▲ 0.50% · 4.625%
HK$63,486
+HK$3,641/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,690/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,648
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,328
−HK$1,705/mo
Today · 4.125%
HK$66,033
baseline
▲ 0.50% · 4.625%
HK$69,513
+HK$3,480/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,066/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,576
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,678
−HK$2,136/mo
Today · 4.125%
HK$71,814
baseline
▲ 0.50% · 4.625%
HK$76,183
+HK$4,369/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,628/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,178
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,194
−HK$2,045/mo
Today · 4.125%
HK$79,239
baseline
▲ 0.50% · 4.625%
HK$83,416
+HK$4,177/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,478/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,839
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,291
−HK$2,491/mo
Today · 4.125%
HK$83,782
baseline
▲ 0.50% · 4.625%
HK$88,880
+HK$5,098/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,564/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,707
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$90,059
−HK$2,387/mo
Today · 4.125%
HK$92,446
baseline
▲ 0.50% · 4.625%
HK$97,319
+HK$4,873/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,892/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,364
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$104,517
−HK$3,203/mo
Today · 4.125%
HK$107,720
baseline
▲ 0.50% · 4.625%
HK$114,275
+HK$6,555/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$215,440/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,766
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$115,791
−HK$3,068/mo
Today · 4.125%
HK$118,859
baseline
▲ 0.50% · 4.625%
HK$125,124
+HK$6,265/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$237,718/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,582 · Scale 2, in force from 26 Feb 2026)