LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,523
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,281
−HK$1,787/mo
Today · 4.125%
HK$60,068
baseline
▲ 0.50% · 4.625%
HK$63,723
+HK$3,655/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,136/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,881
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,568
−HK$1,711/mo
Today · 4.125%
HK$66,279
baseline
▲ 0.50% · 4.625%
HK$69,772
+HK$3,493/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,558/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,828
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,938
−HK$2,143/mo
Today · 4.125%
HK$72,081
baseline
▲ 0.50% · 4.625%
HK$76,467
+HK$4,386/mo
Deposit HK$9.92M · loan HK$14.87M · min. income ≈ HK$144,162/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,458
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,481
−HK$2,053/mo
Today · 4.125%
HK$79,534
baseline
▲ 0.50% · 4.625%
HK$83,727
+HK$4,193/mo
Deposit HK$9.92M · loan HK$14.87M · min. income ≈ HK$159,068/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,132
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,594
−HK$2,501/mo
Today · 4.125%
HK$84,095
baseline
▲ 0.50% · 4.625%
HK$89,212
+HK$5,117/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$168,190/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,034
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,395
−HK$2,395/mo
Today · 4.125%
HK$92,790
baseline
▲ 0.50% · 4.625%
HK$97,681
+HK$4,891/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$185,580/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,742
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$104,906
−HK$3,216/mo
Today · 4.125%
HK$108,122
baseline
▲ 0.50% · 4.625%
HK$114,701
+HK$6,579/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,244/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,186
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$116,222
−HK$3,080/mo
Today · 4.125%
HK$119,302
baseline
▲ 0.50% · 4.625%
HK$125,590
+HK$6,288/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,604/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,492 · Scale 2, in force from 26 Feb 2026)