LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,504
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,262
−HK$1,785/mo
Today · 4.125%
HK$60,047
baseline
▲ 0.50% · 4.625%
HK$63,701
+HK$3,654/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,094/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,053,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,860
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,546
−HK$1,710/mo
Today · 4.125%
HK$66,256
baseline
▲ 0.50% · 4.625%
HK$69,749
+HK$3,493/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,512/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,053,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,805
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,914
−HK$2,143/mo
Today · 4.125%
HK$72,057
baseline
▲ 0.50% · 4.625%
HK$76,441
+HK$4,384/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$144,114/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,432
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,455
−HK$2,053/mo
Today · 4.125%
HK$79,508
baseline
▲ 0.50% · 4.625%
HK$83,699
+HK$4,191/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$159,016/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,106
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,566
−HK$2,500/mo
Today · 4.125%
HK$84,066
baseline
▲ 0.50% · 4.625%
HK$89,182
+HK$5,116/mo
Deposit HK$7.43M · loan HK$17.35M · min. income ≈ HK$168,132/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,004
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,365
−HK$2,394/mo
Today · 4.125%
HK$92,759
baseline
▲ 0.50% · 4.625%
HK$97,648
+HK$4,889/mo
Deposit HK$7.43M · loan HK$17.35M · min. income ≈ HK$185,518/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,707
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$104,871
−HK$3,214/mo
Today · 4.125%
HK$108,085
baseline
▲ 0.50% · 4.625%
HK$114,662
+HK$6,577/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$216,170/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,149
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$116,183
−HK$3,079/mo
Today · 4.125%
HK$119,262
baseline
▲ 0.50% · 4.625%
HK$125,548
+HK$6,286/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$238,524/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,139 · Scale 2, in force from 26 Feb 2026)