LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,602
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,363
−HK$1,789/mo
Today · 4.125%
HK$60,152
baseline
▲ 0.50% · 4.625%
HK$63,812
+HK$3,660/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,304/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,054,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,970
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,658
−HK$1,714/mo
Today · 4.125%
HK$66,372
baseline
▲ 0.50% · 4.625%
HK$69,870
+HK$3,498/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,744/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,054,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,923
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,036
−HK$2,146/mo
Today · 4.125%
HK$72,182
baseline
▲ 0.50% · 4.625%
HK$76,574
+HK$4,392/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,364/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,564
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,590
−HK$2,056/mo
Today · 4.125%
HK$79,646
baseline
▲ 0.50% · 4.625%
HK$83,844
+HK$4,198/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,292/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,243
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,708
−HK$2,505/mo
Today · 4.125%
HK$84,213
baseline
▲ 0.50% · 4.625%
HK$89,337
+HK$5,124/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,426/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,157
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$90,522
−HK$2,398/mo
Today · 4.125%
HK$92,920
baseline
▲ 0.50% · 4.625%
HK$97,818
+HK$4,898/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,840/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,884
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$105,054
−HK$3,219/mo
Today · 4.125%
HK$108,273
baseline
▲ 0.50% · 4.625%
HK$114,862
+HK$6,589/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$216,546/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,345
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$116,385
−HK$3,084/mo
Today · 4.125%
HK$119,469
baseline
▲ 0.50% · 4.625%
HK$125,766
+HK$6,297/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$238,938/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,971 · Scale 2, in force from 26 Feb 2026)