LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,589
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,349
−HK$1,789/mo
Today · 4.125%
HK$60,138
baseline
▲ 0.50% · 4.625%
HK$63,797
+HK$3,659/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,276/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,955
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,643
−HK$1,713/mo
Today · 4.125%
HK$66,356
baseline
▲ 0.50% · 4.625%
HK$69,854
+HK$3,498/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,712/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,907
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,019
−HK$2,146/mo
Today · 4.125%
HK$72,165
baseline
▲ 0.50% · 4.625%
HK$76,556
+HK$4,391/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,330/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,546
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,572
−HK$2,055/mo
Today · 4.125%
HK$79,627
baseline
▲ 0.50% · 4.625%
HK$83,824
+HK$4,197/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,254/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,225
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,689
−HK$2,504/mo
Today · 4.125%
HK$84,193
baseline
▲ 0.50% · 4.625%
HK$89,316
+HK$5,123/mo
Deposit HK$7.45M · loan HK$17.37M · min. income ≈ HK$168,386/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,137
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,500
−HK$2,398/mo
Today · 4.125%
HK$92,898
baseline
▲ 0.50% · 4.625%
HK$97,795
+HK$4,897/mo
Deposit HK$7.45M · loan HK$17.37M · min. income ≈ HK$185,796/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,860
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$105,029
−HK$3,219/mo
Today · 4.125%
HK$108,248
baseline
▲ 0.50% · 4.625%
HK$114,834
+HK$6,586/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$216,496/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,318
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$116,357
−HK$3,084/mo
Today · 4.125%
HK$119,441
baseline
▲ 0.50% · 4.625%
HK$125,736
+HK$6,295/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$238,882/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,720 · Scale 2, in force from 26 Feb 2026)