LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,524
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,282
−HK$1,786/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$1,053,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,882
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,569
−HK$1,710/mo
Today · 4.125%
HK$66,279
baseline
▲ 0.50% · 4.625%
HK$69,773
+HK$3,494/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$1,053,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,829
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,938
−HK$2,144/mo
Today · 4.125%
HK$72,082
baseline
▲ 0.50% · 4.625%
HK$76,468
+HK$4,386/mo
Deposit HK$9.92M · loan HK$14.87M · min. income ≈ HK$144,164/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,459
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,482
−HK$2,053/mo
Today · 4.125%
HK$79,535
baseline
▲ 0.50% · 4.625%
HK$83,728
+HK$4,193/mo
Deposit HK$9.92M · loan HK$14.87M · min. income ≈ HK$159,070/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,133
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,595
−HK$2,501/mo
Today · 4.125%
HK$84,096
baseline
▲ 0.50% · 4.625%
HK$89,213
+HK$5,117/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$168,192/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,035
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,396
−HK$2,395/mo
Today · 4.125%
HK$92,791
baseline
▲ 0.50% · 4.625%
HK$97,682
+HK$4,891/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$185,582/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,743
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$104,908
−HK$3,215/mo
Today · 4.125%
HK$108,123
baseline
▲ 0.50% · 4.625%
HK$114,702
+HK$6,579/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,246/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,188
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$116,223
−HK$3,080/mo
Today · 4.125%
HK$119,303
baseline
▲ 0.50% · 4.625%
HK$125,592
+HK$6,289/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,606/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,505 · Scale 2, in force from 26 Feb 2026)