LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,542
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,301
−HK$1,787/mo
Today · 4.125%
HK$60,088
baseline
▲ 0.50% · 4.625%
HK$63,744
+HK$3,656/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,176/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,902
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,589
−HK$1,712/mo
Today · 4.125%
HK$66,301
baseline
▲ 0.50% · 4.625%
HK$69,796
+HK$3,495/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,602/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,850
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,961
−HK$2,144/mo
Today · 4.125%
HK$72,105
baseline
▲ 0.50% · 4.625%
HK$76,493
+HK$4,388/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,210/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,483
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,507
−HK$2,054/mo
Today · 4.125%
HK$79,561
baseline
▲ 0.50% · 4.625%
HK$83,755
+HK$4,194/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,122/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,159
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,621
−HK$2,502/mo
Today · 4.125%
HK$84,123
baseline
▲ 0.50% · 4.625%
HK$89,242
+HK$5,119/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,246/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,063
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,425
−HK$2,396/mo
Today · 4.125%
HK$92,821
baseline
▲ 0.50% · 4.625%
HK$97,714
+HK$4,893/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,642/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,776
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$104,942
−HK$3,216/mo
Today · 4.125%
HK$108,158
baseline
▲ 0.50% · 4.625%
HK$114,739
+HK$6,581/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,316/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,224
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$116,261
−HK$3,081/mo
Today · 4.125%
HK$119,342
baseline
▲ 0.50% · 4.625%
HK$125,632
+HK$6,290/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,684/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,846 · Scale 2, in force from 26 Feb 2026)