LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,604
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,365
−HK$1,788/mo
Today · 4.125%
HK$60,153
baseline
▲ 0.50% · 4.625%
HK$63,814
+HK$3,661/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,306/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,054,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,971
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,660
−HK$1,713/mo
Today · 4.125%
HK$66,373
baseline
▲ 0.50% · 4.625%
HK$69,872
+HK$3,499/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,746/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,054,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,925
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,038
−HK$2,146/mo
Today · 4.125%
HK$72,184
baseline
▲ 0.50% · 4.625%
HK$76,576
+HK$4,392/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,368/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,566
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,592
−HK$2,056/mo
Today · 4.125%
HK$79,648
baseline
▲ 0.50% · 4.625%
HK$83,846
+HK$4,198/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,296/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,245
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,710
−HK$2,505/mo
Today · 4.125%
HK$84,215
baseline
▲ 0.50% · 4.625%
HK$89,339
+HK$5,124/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,430/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,160
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$90,524
−HK$2,399/mo
Today · 4.125%
HK$92,923
baseline
▲ 0.50% · 4.625%
HK$97,821
+HK$4,898/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,846/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,887
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$105,056
−HK$3,220/mo
Today · 4.125%
HK$108,276
baseline
▲ 0.50% · 4.625%
HK$114,865
+HK$6,589/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$216,552/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,348
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$116,388
−HK$3,084/mo
Today · 4.125%
HK$119,472
baseline
▲ 0.50% · 4.625%
HK$125,770
+HK$6,298/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$238,944/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,999 · Scale 2, in force from 26 Feb 2026)