LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,521
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,279
−HK$1,786/mo
Today · 4.125%
HK$60,065
baseline
▲ 0.50% · 4.625%
HK$63,720
+HK$3,655/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,130/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,879
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,565
−HK$1,711/mo
Today · 4.125%
HK$66,276
baseline
▲ 0.50% · 4.625%
HK$69,770
+HK$3,494/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,552/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,825
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,935
−HK$2,143/mo
Today · 4.125%
HK$72,078
baseline
▲ 0.50% · 4.625%
HK$76,464
+HK$4,386/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$144,156/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,455
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,479
−HK$2,052/mo
Today · 4.125%
HK$79,531
baseline
▲ 0.50% · 4.625%
HK$83,724
+HK$4,193/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$159,062/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,129
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,591
−HK$2,501/mo
Today · 4.125%
HK$84,092
baseline
▲ 0.50% · 4.625%
HK$89,208
+HK$5,116/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$168,184/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,031
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,392
−HK$2,395/mo
Today · 4.125%
HK$92,787
baseline
▲ 0.50% · 4.625%
HK$97,678
+HK$4,891/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$185,574/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,738
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$104,902
−HK$3,216/mo
Today · 4.125%
HK$108,118
baseline
▲ 0.50% · 4.625%
HK$114,696
+HK$6,578/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,236/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,182
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$116,218
−HK$3,079/mo
Today · 4.125%
HK$119,297
baseline
▲ 0.50% · 4.625%
HK$125,585
+HK$6,288/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,594/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,453 · Scale 2, in force from 26 Feb 2026)