LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,330
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,083
−HK$1,780/mo
Today · 4.125%
HK$59,863
baseline
▲ 0.50% · 4.625%
HK$63,505
+HK$3,642/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,726/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,667
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,348
−HK$1,705/mo
Today · 4.125%
HK$66,053
baseline
▲ 0.50% · 4.625%
HK$69,535
+HK$3,482/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,106/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,597
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,699
−HK$2,136/mo
Today · 4.125%
HK$71,835
baseline
▲ 0.50% · 4.625%
HK$76,207
+HK$4,372/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,670/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,201
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,217
−HK$2,046/mo
Today · 4.125%
HK$79,263
baseline
▲ 0.50% · 4.625%
HK$83,441
+HK$4,178/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,526/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,863
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,316
−HK$2,492/mo
Today · 4.125%
HK$83,808
baseline
▲ 0.50% · 4.625%
HK$88,908
+HK$5,100/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,616/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,734
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,087
−HK$2,387/mo
Today · 4.125%
HK$92,474
baseline
▲ 0.50% · 4.625%
HK$97,348
+HK$4,874/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,948/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,395
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$104,549
−HK$3,204/mo
Today · 4.125%
HK$107,753
baseline
▲ 0.50% · 4.625%
HK$114,310
+HK$6,557/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$215,506/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,801
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$115,826
−HK$3,069/mo
Today · 4.125%
HK$118,895
baseline
▲ 0.50% · 4.625%
HK$125,162
+HK$6,267/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$237,790/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,902 · Scale 2, in force from 26 Feb 2026)