LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,513
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,271
−HK$1,786/mo
Today · 4.125%
HK$60,057
baseline
▲ 0.50% · 4.625%
HK$63,711
+HK$3,654/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,114/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,870
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,556
−HK$1,711/mo
Today · 4.125%
HK$66,267
baseline
▲ 0.50% · 4.625%
HK$69,760
+HK$3,493/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,534/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,816
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,925
−HK$2,143/mo
Today · 4.125%
HK$72,068
baseline
▲ 0.50% · 4.625%
HK$76,453
+HK$4,385/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$144,136/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,444
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,468
−HK$2,052/mo
Today · 4.125%
HK$79,520
baseline
▲ 0.50% · 4.625%
HK$83,712
+HK$4,192/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$159,040/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,118
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$81,579
−HK$2,501/mo
Today · 4.125%
HK$84,080
baseline
▲ 0.50% · 4.625%
HK$89,196
+HK$5,116/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$168,160/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,018
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,379
−HK$2,394/mo
Today · 4.125%
HK$92,773
baseline
▲ 0.50% · 4.625%
HK$97,664
+HK$4,891/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$185,546/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,723
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$104,888
−HK$3,214/mo
Today · 4.125%
HK$108,102
baseline
▲ 0.50% · 4.625%
HK$114,680
+HK$6,578/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,204/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,166
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$116,201
−HK$3,079/mo
Today · 4.125%
HK$119,280
baseline
▲ 0.50% · 4.625%
HK$125,568
+HK$6,288/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,560/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,304 · Scale 2, in force from 26 Feb 2026)