LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,547
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,306
−HK$1,787/mo
Today · 4.125%
HK$60,093
baseline
▲ 0.50% · 4.625%
HK$63,749
+HK$3,656/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,186/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,908
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,595
−HK$1,712/mo
Today · 4.125%
HK$66,307
baseline
▲ 0.50% · 4.625%
HK$69,802
+HK$3,495/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,614/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,856
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,967
−HK$2,144/mo
Today · 4.125%
HK$72,111
baseline
▲ 0.50% · 4.625%
HK$76,499
+HK$4,388/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,222/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,489
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,514
−HK$2,054/mo
Today · 4.125%
HK$79,568
baseline
▲ 0.50% · 4.625%
HK$83,762
+HK$4,194/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,136/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,166
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,628
−HK$2,502/mo
Today · 4.125%
HK$84,130
baseline
▲ 0.50% · 4.625%
HK$89,249
+HK$5,119/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,260/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,071
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,433
−HK$2,396/mo
Today · 4.125%
HK$92,829
baseline
▲ 0.50% · 4.625%
HK$97,722
+HK$4,893/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,658/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,784
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$104,950
−HK$3,217/mo
Today · 4.125%
HK$108,167
baseline
▲ 0.50% · 4.625%
HK$114,749
+HK$6,582/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,334/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,234
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$116,271
−HK$3,081/mo
Today · 4.125%
HK$119,352
baseline
▲ 0.50% · 4.625%
HK$125,643
+HK$6,291/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,704/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,935 · Scale 2, in force from 26 Feb 2026)