LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,545
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,304
−HK$1,787/mo
Today · 4.125%
HK$60,091
baseline
▲ 0.50% · 4.625%
HK$63,747
+HK$3,656/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,182/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,906
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,593
−HK$1,711/mo
Today · 4.125%
HK$66,304
baseline
▲ 0.50% · 4.625%
HK$69,799
+HK$3,495/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,608/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,854
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,965
−HK$2,144/mo
Today · 4.125%
HK$72,109
baseline
▲ 0.50% · 4.625%
HK$76,497
+HK$4,388/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,218/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,487
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,512
−HK$2,053/mo
Today · 4.125%
HK$79,565
baseline
▲ 0.50% · 4.625%
HK$83,759
+HK$4,194/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,130/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,163
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,626
−HK$2,501/mo
Today · 4.125%
HK$84,127
baseline
▲ 0.50% · 4.625%
HK$89,246
+HK$5,119/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,254/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,068
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,430
−HK$2,396/mo
Today · 4.125%
HK$92,826
baseline
▲ 0.50% · 4.625%
HK$97,719
+HK$4,893/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,652/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,781
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$104,947
−HK$3,217/mo
Today · 4.125%
HK$108,164
baseline
▲ 0.50% · 4.625%
HK$114,745
+HK$6,581/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,328/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,231
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$116,267
−HK$3,081/mo
Today · 4.125%
HK$119,348
baseline
▲ 0.50% · 4.625%
HK$125,639
+HK$6,291/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,696/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,903 · Scale 2, in force from 26 Feb 2026)