LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,508
−HK$3,543/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$1,053,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,864
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,550
−HK$1,711/mo
Today · 4.125%
HK$66,261
baseline
▲ 0.50% · 4.625%
HK$69,753
+HK$3,492/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,522/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,053,204 · 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$76,446
+HK$4,385/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$1,053,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,437
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,460
−HK$2,053/mo
Today · 4.125%
HK$79,513
baseline
▲ 0.50% · 4.625%
HK$83,704
+HK$4,191/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$159,026/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,111
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,572
−HK$2,500/mo
Today · 4.125%
HK$84,072
baseline
▲ 0.50% · 4.625%
HK$89,187
+HK$5,115/mo
Deposit HK$7.43M · loan HK$17.35M · min. income ≈ HK$168,144/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,010
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,370
−HK$2,395/mo
Today · 4.125%
HK$92,765
baseline
▲ 0.50% · 4.625%
HK$97,655
+HK$4,890/mo
Deposit HK$7.43M · loan HK$17.35M · min. income ≈ HK$185,530/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,714
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$104,878
−HK$3,214/mo
Today · 4.125%
HK$108,092
baseline
▲ 0.50% · 4.625%
HK$114,669
+HK$6,577/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$216,184/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,156
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$116,190
−HK$3,079/mo
Today · 4.125%
HK$119,269
baseline
▲ 0.50% · 4.625%
HK$125,556
+HK$6,287/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$238,538/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,204 · Scale 2, in force from 26 Feb 2026)