LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,507
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,265
−HK$1,786/mo
Today · 4.125%
HK$60,051
baseline
▲ 0.50% · 4.625%
HK$63,705
+HK$3,654/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,102/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,053,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,864
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,550
−HK$1,710/mo
Today · 4.125%
HK$66,260
baseline
▲ 0.50% · 4.625%
HK$69,753
+HK$3,493/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,520/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,053,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,809
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,918
−HK$2,143/mo
Today · 4.125%
HK$72,061
baseline
▲ 0.50% · 4.625%
HK$76,445
+HK$4,384/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$144,122/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,436
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,459
−HK$2,053/mo
Today · 4.125%
HK$79,512
baseline
▲ 0.50% · 4.625%
HK$83,703
+HK$4,191/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$159,024/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,110
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,571
−HK$2,500/mo
Today · 4.125%
HK$84,071
baseline
▲ 0.50% · 4.625%
HK$89,186
+HK$5,115/mo
Deposit HK$7.43M · loan HK$17.35M · min. income ≈ HK$168,142/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,009
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,369
−HK$2,395/mo
Today · 4.125%
HK$92,764
baseline
▲ 0.50% · 4.625%
HK$97,654
+HK$4,890/mo
Deposit HK$7.43M · loan HK$17.35M · min. income ≈ HK$185,528/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,713
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$104,877
−HK$3,214/mo
Today · 4.125%
HK$108,091
baseline
▲ 0.50% · 4.625%
HK$114,668
+HK$6,577/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$216,182/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,154
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$116,189
−HK$3,079/mo
Today · 4.125%
HK$119,268
baseline
▲ 0.50% · 4.625%
HK$125,555
+HK$6,287/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$238,536/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,194 · Scale 2, in force from 26 Feb 2026)