LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,579
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,339
−HK$1,788/mo
Today · 4.125%
HK$60,127
baseline
▲ 0.50% · 4.625%
HK$63,786
+HK$3,659/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,254/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,944
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,632
−HK$1,712/mo
Today · 4.125%
HK$66,344
baseline
▲ 0.50% · 4.625%
HK$69,841
+HK$3,497/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,688/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,895
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$70,007
−HK$2,145/mo
Today · 4.125%
HK$72,152
baseline
▲ 0.50% · 4.625%
HK$76,543
+HK$4,391/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,304/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,532
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,558
−HK$2,055/mo
Today · 4.125%
HK$79,613
baseline
▲ 0.50% · 4.625%
HK$83,810
+HK$4,197/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,226/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,211
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,675
−HK$2,503/mo
Today · 4.125%
HK$84,178
baseline
▲ 0.50% · 4.625%
HK$89,300
+HK$5,122/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$168,356/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,121
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,484
−HK$2,398/mo
Today · 4.125%
HK$92,882
baseline
▲ 0.50% · 4.625%
HK$97,778
+HK$4,896/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$185,764/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,842
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$105,010
−HK$3,219/mo
Today · 4.125%
HK$108,229
baseline
▲ 0.50% · 4.625%
HK$114,814
+HK$6,585/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$216,458/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,299
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$116,337
−HK$3,083/mo
Today · 4.125%
HK$119,420
baseline
▲ 0.50% · 4.625%
HK$125,714
+HK$6,294/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$238,840/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,535 · Scale 2, in force from 26 Feb 2026)