LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,320
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,072
−HK$1,780/mo
Today · 4.125%
HK$59,852
baseline
▲ 0.50% · 4.625%
HK$63,494
+HK$3,642/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,704/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,656
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,336
−HK$1,705/mo
Today · 4.125%
HK$66,041
baseline
▲ 0.50% · 4.625%
HK$69,522
+HK$3,481/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,082/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,584
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,687
−HK$2,136/mo
Today · 4.125%
HK$71,823
baseline
▲ 0.50% · 4.625%
HK$76,193
+HK$4,370/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,646/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,187
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,203
−HK$2,046/mo
Today · 4.125%
HK$79,249
baseline
▲ 0.50% · 4.625%
HK$83,426
+HK$4,177/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,498/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,848
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,301
−HK$2,492/mo
Today · 4.125%
HK$83,793
baseline
▲ 0.50% · 4.625%
HK$88,892
+HK$5,099/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,586/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,718
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$90,071
−HK$2,386/mo
Today · 4.125%
HK$92,457
baseline
▲ 0.50% · 4.625%
HK$97,331
+HK$4,874/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,914/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,377
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$104,530
−HK$3,204/mo
Today · 4.125%
HK$107,734
baseline
▲ 0.50% · 4.625%
HK$114,289
+HK$6,555/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$215,468/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,780
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$115,805
−HK$3,069/mo
Today · 4.125%
HK$118,874
baseline
▲ 0.50% · 4.625%
HK$125,140
+HK$6,266/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$237,748/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,713 · Scale 2, in force from 26 Feb 2026)