LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,327
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,079
−HK$1,780/mo
Today · 4.125%
HK$59,859
baseline
▲ 0.50% · 4.625%
HK$63,502
+HK$3,643/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,718/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,663
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,344
−HK$1,705/mo
Today · 4.125%
HK$66,049
baseline
▲ 0.50% · 4.625%
HK$69,530
+HK$3,481/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,098/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,593
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,695
−HK$2,136/mo
Today · 4.125%
HK$71,831
baseline
▲ 0.50% · 4.625%
HK$76,202
+HK$4,371/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,662/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,196
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,213
−HK$2,046/mo
Today · 4.125%
HK$79,259
baseline
▲ 0.50% · 4.625%
HK$83,436
+HK$4,177/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,518/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,858
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,311
−HK$2,492/mo
Today · 4.125%
HK$83,803
baseline
▲ 0.50% · 4.625%
HK$88,902
+HK$5,099/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,606/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,729
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$90,082
−HK$2,386/mo
Today · 4.125%
HK$92,468
baseline
▲ 0.50% · 4.625%
HK$97,343
+HK$4,875/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,936/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,389
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$104,543
−HK$3,204/mo
Today · 4.125%
HK$107,747
baseline
▲ 0.50% · 4.625%
HK$114,303
+HK$6,556/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$215,494/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,794
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$115,819
−HK$3,069/mo
Today · 4.125%
HK$118,888
baseline
▲ 0.50% · 4.625%
HK$125,155
+HK$6,267/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$237,776/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,840 · Scale 2, in force from 26 Feb 2026)