LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,537
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,296
−HK$1,786/mo
Today · 4.125%
HK$60,082
baseline
▲ 0.50% · 4.625%
HK$63,738
+HK$3,656/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,164/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,897
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,584
−HK$1,711/mo
Today · 4.125%
HK$66,295
baseline
▲ 0.50% · 4.625%
HK$69,789
+HK$3,494/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,590/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,844
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,955
−HK$2,144/mo
Today · 4.125%
HK$72,099
baseline
▲ 0.50% · 4.625%
HK$76,486
+HK$4,387/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,198/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,476
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,500
−HK$2,054/mo
Today · 4.125%
HK$79,554
baseline
▲ 0.50% · 4.625%
HK$83,747
+HK$4,193/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,108/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,152
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,614
−HK$2,501/mo
Today · 4.125%
HK$84,115
baseline
▲ 0.50% · 4.625%
HK$89,233
+HK$5,118/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,230/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,055
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,417
−HK$2,396/mo
Today · 4.125%
HK$92,813
baseline
▲ 0.50% · 4.625%
HK$97,705
+HK$4,892/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,626/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,766
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$104,932
−HK$3,216/mo
Today · 4.125%
HK$108,148
baseline
▲ 0.50% · 4.625%
HK$114,729
+HK$6,581/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,296/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,214
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$116,250
−HK$3,081/mo
Today · 4.125%
HK$119,331
baseline
▲ 0.50% · 4.625%
HK$125,621
+HK$6,290/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,662/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,750 · Scale 2, in force from 26 Feb 2026)