LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,333
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,085
−HK$1,780/mo
Today · 4.125%
HK$59,865
baseline
▲ 0.50% · 4.625%
HK$63,508
+HK$3,643/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,730/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,669
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,350
−HK$1,705/mo
Today · 4.125%
HK$66,055
baseline
▲ 0.50% · 4.625%
HK$69,537
+HK$3,482/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,110/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,599
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,702
−HK$2,136/mo
Today · 4.125%
HK$71,838
baseline
▲ 0.50% · 4.625%
HK$76,209
+HK$4,371/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,676/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,203
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,220
−HK$2,046/mo
Today · 4.125%
HK$79,266
baseline
▲ 0.50% · 4.625%
HK$83,444
+HK$4,178/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,532/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,866
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,319
−HK$2,492/mo
Today · 4.125%
HK$83,811
baseline
▲ 0.50% · 4.625%
HK$88,911
+HK$5,100/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,622/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,737
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,090
−HK$2,387/mo
Today · 4.125%
HK$92,477
baseline
▲ 0.50% · 4.625%
HK$97,352
+HK$4,875/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,954/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,399
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$104,553
−HK$3,204/mo
Today · 4.125%
HK$107,757
baseline
▲ 0.50% · 4.625%
HK$114,314
+HK$6,557/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$215,514/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,805
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$115,830
−HK$3,069/mo
Today · 4.125%
HK$118,899
baseline
▲ 0.50% · 4.625%
HK$125,167
+HK$6,268/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$237,798/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,940 · Scale 2, in force from 26 Feb 2026)