LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,546
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,305
−HK$1,787/mo
Today · 4.125%
HK$60,092
baseline
▲ 0.50% · 4.625%
HK$63,748
+HK$3,656/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,184/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,907
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,594
−HK$1,711/mo
Today · 4.125%
HK$66,305
baseline
▲ 0.50% · 4.625%
HK$69,801
+HK$3,496/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,610/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,855
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,966
−HK$2,144/mo
Today · 4.125%
HK$72,110
baseline
▲ 0.50% · 4.625%
HK$76,498
+HK$4,388/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,220/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,488
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,513
−HK$2,054/mo
Today · 4.125%
HK$79,567
baseline
▲ 0.50% · 4.625%
HK$83,761
+HK$4,194/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,134/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,164
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,627
−HK$2,502/mo
Today · 4.125%
HK$84,129
baseline
▲ 0.50% · 4.625%
HK$89,248
+HK$5,119/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,258/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,070
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,431
−HK$2,397/mo
Today · 4.125%
HK$92,828
baseline
▲ 0.50% · 4.625%
HK$97,721
+HK$4,893/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,656/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,783
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$104,949
−HK$3,216/mo
Today · 4.125%
HK$108,165
baseline
▲ 0.50% · 4.625%
HK$114,747
+HK$6,582/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,330/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,232
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$116,269
−HK$3,081/mo
Today · 4.125%
HK$119,350
baseline
▲ 0.50% · 4.625%
HK$125,641
+HK$6,291/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,700/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,918 · Scale 2, in force from 26 Feb 2026)