LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,580
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,340
−HK$1,788/mo
Today · 4.125%
HK$60,128
baseline
▲ 0.50% · 4.625%
HK$63,787
+HK$3,659/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,256/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,944
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,633
−HK$1,712/mo
Today · 4.125%
HK$66,345
baseline
▲ 0.50% · 4.625%
HK$69,842
+HK$3,497/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,690/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,896
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$70,008
−HK$2,145/mo
Today · 4.125%
HK$72,153
baseline
▲ 0.50% · 4.625%
HK$76,544
+HK$4,391/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,306/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,533
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,559
−HK$2,055/mo
Today · 4.125%
HK$79,614
baseline
▲ 0.50% · 4.625%
HK$83,811
+HK$4,197/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,228/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,212
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,676
−HK$2,503/mo
Today · 4.125%
HK$84,179
baseline
▲ 0.50% · 4.625%
HK$89,301
+HK$5,122/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$168,358/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,122
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,486
−HK$2,397/mo
Today · 4.125%
HK$92,883
baseline
▲ 0.50% · 4.625%
HK$97,779
+HK$4,896/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$185,766/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,844
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$105,012
−HK$3,218/mo
Today · 4.125%
HK$108,230
baseline
▲ 0.50% · 4.625%
HK$114,816
+HK$6,586/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$216,460/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,300
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$116,339
−HK$3,082/mo
Today · 4.125%
HK$119,421
baseline
▲ 0.50% · 4.625%
HK$125,716
+HK$6,295/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$238,842/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,550 · Scale 2, in force from 26 Feb 2026)