LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,593
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,353
−HK$1,789/mo
Today · 4.125%
HK$60,142
baseline
▲ 0.50% · 4.625%
HK$63,801
+HK$3,659/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,284/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,959
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,647
−HK$1,713/mo
Today · 4.125%
HK$66,360
baseline
▲ 0.50% · 4.625%
HK$69,858
+HK$3,498/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,720/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,911
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,024
−HK$2,146/mo
Today · 4.125%
HK$72,170
baseline
▲ 0.50% · 4.625%
HK$76,561
+HK$4,391/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,340/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,551
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,577
−HK$2,055/mo
Today · 4.125%
HK$79,632
baseline
▲ 0.50% · 4.625%
HK$83,830
+HK$4,198/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,264/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,230
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,694
−HK$2,504/mo
Today · 4.125%
HK$84,198
baseline
▲ 0.50% · 4.625%
HK$89,321
+HK$5,123/mo
Deposit HK$7.45M · loan HK$17.37M · min. income ≈ HK$168,396/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,142
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,506
−HK$2,398/mo
Today · 4.125%
HK$92,904
baseline
▲ 0.50% · 4.625%
HK$97,802
+HK$4,898/mo
Deposit HK$7.45M · loan HK$17.37M · min. income ≈ HK$185,808/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,867
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$105,036
−HK$3,219/mo
Today · 4.125%
HK$108,255
baseline
▲ 0.50% · 4.625%
HK$114,842
+HK$6,587/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$216,510/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,326
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$116,365
−HK$3,084/mo
Today · 4.125%
HK$119,449
baseline
▲ 0.50% · 4.625%
HK$125,745
+HK$6,296/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$238,898/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,790 · Scale 2, in force from 26 Feb 2026)