LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,530
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,289
−HK$1,786/mo
Today · 4.125%
HK$60,075
baseline
▲ 0.50% · 4.625%
HK$63,731
+HK$3,656/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,150/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,889
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,576
−HK$1,711/mo
Today · 4.125%
HK$66,287
baseline
▲ 0.50% · 4.625%
HK$69,781
+HK$3,494/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,574/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,836
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,947
−HK$2,143/mo
Today · 4.125%
HK$72,090
baseline
▲ 0.50% · 4.625%
HK$76,477
+HK$4,387/mo
Deposit HK$9.92M · loan HK$14.87M · min. income ≈ HK$144,180/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,467
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,491
−HK$2,054/mo
Today · 4.125%
HK$79,545
baseline
▲ 0.50% · 4.625%
HK$83,738
+HK$4,193/mo
Deposit HK$9.92M · loan HK$14.87M · min. income ≈ HK$159,090/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,142
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,604
−HK$2,501/mo
Today · 4.125%
HK$84,105
baseline
▲ 0.50% · 4.625%
HK$89,223
+HK$5,118/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$168,210/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,045
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,407
−HK$2,395/mo
Today · 4.125%
HK$92,802
baseline
▲ 0.50% · 4.625%
HK$97,694
+HK$4,892/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$185,604/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,755
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$104,920
−HK$3,216/mo
Today · 4.125%
HK$108,136
baseline
▲ 0.50% · 4.625%
HK$114,715
+HK$6,579/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,272/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,201
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$116,237
−HK$3,080/mo
Today · 4.125%
HK$119,317
baseline
▲ 0.50% · 4.625%
HK$125,606
+HK$6,289/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,634/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,628 · Scale 2, in force from 26 Feb 2026)