LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,323
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,075
−HK$1,780/mo
Today · 4.125%
HK$59,855
baseline
▲ 0.50% · 4.625%
HK$63,497
+HK$3,642/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,710/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,658
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,339
−HK$1,705/mo
Today · 4.125%
HK$66,044
baseline
▲ 0.50% · 4.625%
HK$69,525
+HK$3,481/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,088/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,587
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,689
−HK$2,136/mo
Today · 4.125%
HK$71,825
baseline
▲ 0.50% · 4.625%
HK$76,196
+HK$4,371/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,650/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,190
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,207
−HK$2,045/mo
Today · 4.125%
HK$79,252
baseline
▲ 0.50% · 4.625%
HK$83,430
+HK$4,178/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,504/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,852
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$81,304
−HK$2,492/mo
Today · 4.125%
HK$83,796
baseline
▲ 0.50% · 4.625%
HK$88,895
+HK$5,099/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,592/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,722
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$90,074
−HK$2,387/mo
Today · 4.125%
HK$92,461
baseline
▲ 0.50% · 4.625%
HK$97,335
+HK$4,874/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,922/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,381
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$104,534
−HK$3,204/mo
Today · 4.125%
HK$107,738
baseline
▲ 0.50% · 4.625%
HK$114,294
+HK$6,556/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$215,476/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,785
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$115,810
−HK$3,068/mo
Today · 4.125%
HK$118,878
baseline
▲ 0.50% · 4.625%
HK$125,145
+HK$6,267/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$237,756/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,756 · Scale 2, in force from 26 Feb 2026)