LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,314
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,066
−HK$1,779/mo
Today · 4.125%
HK$59,845
baseline
▲ 0.50% · 4.625%
HK$63,487
+HK$3,642/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$1,049,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,649
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,329
−HK$1,704/mo
Today · 4.125%
HK$66,033
baseline
▲ 0.50% · 4.625%
HK$69,514
+HK$3,481/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$1,049,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,577
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,679
−HK$2,135/mo
Today · 4.125%
HK$71,814
baseline
▲ 0.50% · 4.625%
HK$76,184
+HK$4,370/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$1,049,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,179
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,195
−HK$2,045/mo
Today · 4.125%
HK$79,240
baseline
▲ 0.50% · 4.625%
HK$83,417
+HK$4,177/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,480/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,840
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$81,292
−HK$2,492/mo
Today · 4.125%
HK$83,784
baseline
▲ 0.50% · 4.625%
HK$88,882
+HK$5,098/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,568/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,708
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$90,061
−HK$2,386/mo
Today · 4.125%
HK$92,447
baseline
▲ 0.50% · 4.625%
HK$97,320
+HK$4,873/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,894/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,365
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$104,518
−HK$3,204/mo
Today · 4.125%
HK$107,722
baseline
▲ 0.50% · 4.625%
HK$114,276
+HK$6,554/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$215,444/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,768
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$115,792
−HK$3,068/mo
Today · 4.125%
HK$118,860
baseline
▲ 0.50% · 4.625%
HK$125,126
+HK$6,266/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$237,720/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,595 · Scale 2, in force from 26 Feb 2026)