LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,518
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,276
−HK$1,786/mo
Today · 4.125%
HK$60,062
baseline
▲ 0.50% · 4.625%
HK$63,717
+HK$3,655/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,124/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,875
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,562
−HK$1,710/mo
Today · 4.125%
HK$66,272
baseline
▲ 0.50% · 4.625%
HK$69,766
+HK$3,494/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,544/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,821
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,931
−HK$2,143/mo
Today · 4.125%
HK$72,074
baseline
▲ 0.50% · 4.625%
HK$76,460
+HK$4,386/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$144,148/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,451
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,474
−HK$2,053/mo
Today · 4.125%
HK$79,527
baseline
▲ 0.50% · 4.625%
HK$83,719
+HK$4,192/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$159,054/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,125
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$81,586
−HK$2,501/mo
Today · 4.125%
HK$84,087
baseline
▲ 0.50% · 4.625%
HK$89,203
+HK$5,116/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$168,174/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,026
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,386
−HK$2,395/mo
Today · 4.125%
HK$92,781
baseline
▲ 0.50% · 4.625%
HK$97,672
+HK$4,891/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$185,562/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,732
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$104,896
−HK$3,215/mo
Today · 4.125%
HK$108,111
baseline
▲ 0.50% · 4.625%
HK$114,690
+HK$6,579/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,222/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,176
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$116,211
−HK$3,079/mo
Today · 4.125%
HK$119,290
baseline
▲ 0.50% · 4.625%
HK$125,578
+HK$6,288/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,580/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,393 · Scale 2, in force from 26 Feb 2026)