LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,501
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,259
−HK$1,786/mo
Today · 4.125%
HK$60,045
baseline
▲ 0.50% · 4.625%
HK$63,698
+HK$3,653/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,090/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,053,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,857
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,543
−HK$1,710/mo
Today · 4.125%
HK$66,253
baseline
▲ 0.50% · 4.625%
HK$69,746
+HK$3,493/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,506/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,053,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,802
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,911
−HK$2,142/mo
Today · 4.125%
HK$72,053
baseline
▲ 0.50% · 4.625%
HK$76,438
+HK$4,385/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$144,106/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,053,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,429
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,452
−HK$2,052/mo
Today · 4.125%
HK$79,504
baseline
▲ 0.50% · 4.625%
HK$83,695
+HK$4,191/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$159,008/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,053,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,102
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,562
−HK$2,500/mo
Today · 4.125%
HK$84,062
baseline
▲ 0.50% · 4.625%
HK$89,177
+HK$5,115/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,124/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,000
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,360
−HK$2,395/mo
Today · 4.125%
HK$92,755
baseline
▲ 0.50% · 4.625%
HK$97,644
+HK$4,889/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,510/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,703
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$104,866
−HK$3,214/mo
Today · 4.125%
HK$108,080
baseline
▲ 0.50% · 4.625%
HK$114,657
+HK$6,577/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$216,160/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,143
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$116,177
−HK$3,079/mo
Today · 4.125%
HK$119,256
baseline
▲ 0.50% · 4.625%
HK$125,542
+HK$6,286/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$238,512/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,088 · Scale 2, in force from 26 Feb 2026)