LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,585
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,345
−HK$1,788/mo
Today · 4.125%
HK$60,133
baseline
▲ 0.50% · 4.625%
HK$63,792
+HK$3,659/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,266/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,950
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,638
−HK$1,713/mo
Today · 4.125%
HK$66,351
baseline
▲ 0.50% · 4.625%
HK$69,849
+HK$3,498/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,702/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,902
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,014
−HK$2,146/mo
Today · 4.125%
HK$72,160
baseline
▲ 0.50% · 4.625%
HK$76,551
+HK$4,391/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,320/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,540
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,566
−HK$2,055/mo
Today · 4.125%
HK$79,621
baseline
▲ 0.50% · 4.625%
HK$83,818
+HK$4,197/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,242/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,219
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,683
−HK$2,504/mo
Today · 4.125%
HK$84,187
baseline
▲ 0.50% · 4.625%
HK$89,309
+HK$5,122/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$168,374/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,130
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,494
−HK$2,398/mo
Today · 4.125%
HK$92,892
baseline
▲ 0.50% · 4.625%
HK$97,788
+HK$4,896/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$185,784/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,853
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$105,021
−HK$3,219/mo
Today · 4.125%
HK$108,240
baseline
▲ 0.50% · 4.625%
HK$114,826
+HK$6,586/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$216,480/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,310
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$116,349
−HK$3,083/mo
Today · 4.125%
HK$119,432
baseline
▲ 0.50% · 4.625%
HK$125,727
+HK$6,295/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$238,864/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,644 · Scale 2, in force from 26 Feb 2026)