LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,335
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,087
−HK$1,781/mo
Today · 4.125%
HK$59,868
baseline
▲ 0.50% · 4.625%
HK$63,511
+HK$3,643/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,736/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,672
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,353
−HK$1,705/mo
Today · 4.125%
HK$66,058
baseline
▲ 0.50% · 4.625%
HK$69,540
+HK$3,482/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,116/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,602
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,705
−HK$2,136/mo
Today · 4.125%
HK$71,841
baseline
▲ 0.50% · 4.625%
HK$76,213
+HK$4,372/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,682/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,207
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,224
−HK$2,046/mo
Today · 4.125%
HK$79,270
baseline
▲ 0.50% · 4.625%
HK$83,448
+HK$4,178/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,540/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,869
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$81,322
−HK$2,493/mo
Today · 4.125%
HK$83,815
baseline
▲ 0.50% · 4.625%
HK$88,915
+HK$5,100/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,630/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,741
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,094
−HK$2,387/mo
Today · 4.125%
HK$92,481
baseline
▲ 0.50% · 4.625%
HK$97,356
+HK$4,875/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,962/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,403
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$104,557
−HK$3,205/mo
Today · 4.125%
HK$107,762
baseline
▲ 0.50% · 4.625%
HK$114,319
+HK$6,557/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,524/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,810
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$115,835
−HK$3,070/mo
Today · 4.125%
HK$118,905
baseline
▲ 0.50% · 4.625%
HK$125,172
+HK$6,267/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,810/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,987 · Scale 2, in force from 26 Feb 2026)