LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,503
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,261
−HK$1,785/mo
Today · 4.125%
HK$60,046
baseline
▲ 0.50% · 4.625%
HK$63,700
+HK$3,654/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,092/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,053,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,859
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,545
−HK$1,710/mo
Today · 4.125%
HK$66,255
baseline
▲ 0.50% · 4.625%
HK$69,747
+HK$3,492/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,510/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,053,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,804
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,913
−HK$2,142/mo
Today · 4.125%
HK$72,055
baseline
▲ 0.50% · 4.625%
HK$76,440
+HK$4,385/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$144,110/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,053,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,431
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,454
−HK$2,052/mo
Today · 4.125%
HK$79,506
baseline
▲ 0.50% · 4.625%
HK$83,697
+HK$4,191/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$159,012/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,053,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,104
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,565
−HK$2,500/mo
Today · 4.125%
HK$84,065
baseline
▲ 0.50% · 4.625%
HK$89,180
+HK$5,115/mo
Deposit HK$7.43M · loan HK$17.35M · min. income ≈ HK$168,130/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,003
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,363
−HK$2,394/mo
Today · 4.125%
HK$92,757
baseline
▲ 0.50% · 4.625%
HK$97,646
+HK$4,889/mo
Deposit HK$7.43M · loan HK$17.35M · min. income ≈ HK$185,514/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,705
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$104,869
−HK$3,214/mo
Today · 4.125%
HK$108,083
baseline
▲ 0.50% · 4.625%
HK$114,660
+HK$6,577/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$216,166/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,146
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$116,181
−HK$3,078/mo
Today · 4.125%
HK$119,259
baseline
▲ 0.50% · 4.625%
HK$125,545
+HK$6,286/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$238,518/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,117 · Scale 2, in force from 26 Feb 2026)