LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,595
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,355
−HK$1,789/mo
Today · 4.125%
HK$60,144
baseline
▲ 0.50% · 4.625%
HK$63,803
+HK$3,659/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,288/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,961
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,649
−HK$1,713/mo
Today · 4.125%
HK$66,362
baseline
▲ 0.50% · 4.625%
HK$69,860
+HK$3,498/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,724/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,913
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,026
−HK$2,146/mo
Today · 4.125%
HK$72,172
baseline
▲ 0.50% · 4.625%
HK$76,564
+HK$4,392/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,344/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,553
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,579
−HK$2,056/mo
Today · 4.125%
HK$79,635
baseline
▲ 0.50% · 4.625%
HK$83,833
+HK$4,198/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,270/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,232
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$81,697
−HK$2,504/mo
Today · 4.125%
HK$84,201
baseline
▲ 0.50% · 4.625%
HK$89,324
+HK$5,123/mo
Deposit HK$7.45M · loan HK$17.37M · min. income ≈ HK$168,402/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,145
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,509
−HK$2,398/mo
Today · 4.125%
HK$92,907
baseline
▲ 0.50% · 4.625%
HK$97,805
+HK$4,898/mo
Deposit HK$7.45M · loan HK$17.37M · min. income ≈ HK$185,814/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,870
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$105,039
−HK$3,219/mo
Today · 4.125%
HK$108,258
baseline
▲ 0.50% · 4.625%
HK$114,846
+HK$6,588/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$216,516/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,330
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$116,369
−HK$3,083/mo
Today · 4.125%
HK$119,452
baseline
▲ 0.50% · 4.625%
HK$125,749
+HK$6,297/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$238,904/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,824 · Scale 2, in force from 26 Feb 2026)