LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,586
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,346
−HK$1,788/mo
Today · 4.125%
HK$60,134
baseline
▲ 0.50% · 4.625%
HK$63,793
+HK$3,659/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,268/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,951
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,639
−HK$1,713/mo
Today · 4.125%
HK$66,352
baseline
▲ 0.50% · 4.625%
HK$69,849
+HK$3,497/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,704/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,903
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,015
−HK$2,146/mo
Today · 4.125%
HK$72,161
baseline
▲ 0.50% · 4.625%
HK$76,552
+HK$4,391/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,322/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,541
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,567
−HK$2,055/mo
Today · 4.125%
HK$79,622
baseline
▲ 0.50% · 4.625%
HK$83,819
+HK$4,197/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,244/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,220
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,684
−HK$2,504/mo
Today · 4.125%
HK$84,188
baseline
▲ 0.50% · 4.625%
HK$89,310
+HK$5,122/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$168,376/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,131
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,495
−HK$2,398/mo
Today · 4.125%
HK$92,893
baseline
▲ 0.50% · 4.625%
HK$97,789
+HK$4,896/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$185,786/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,854
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$105,022
−HK$3,219/mo
Today · 4.125%
HK$108,241
baseline
▲ 0.50% · 4.625%
HK$114,827
+HK$6,586/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$216,482/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,312
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$116,351
−HK$3,082/mo
Today · 4.125%
HK$119,433
baseline
▲ 0.50% · 4.625%
HK$125,729
+HK$6,296/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$238,866/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,657 · Scale 2, in force from 26 Feb 2026)