LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,643
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,405
−HK$1,790/mo
Today · 4.125%
HK$60,195
baseline
▲ 0.50% · 4.625%
HK$63,858
+HK$3,663/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,390/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,015
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,705
−HK$1,714/mo
Today · 4.125%
HK$66,419
baseline
▲ 0.50% · 4.625%
HK$69,920
+HK$3,501/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,838/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,972
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,086
−HK$2,148/mo
Today · 4.125%
HK$72,234
baseline
▲ 0.50% · 4.625%
HK$76,629
+HK$4,395/mo
Deposit HK$9.94M · loan HK$14.90M · min. income ≈ HK$144,468/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,618
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,646
−HK$2,057/mo
Today · 4.125%
HK$79,703
baseline
▲ 0.50% · 4.625%
HK$83,905
+HK$4,202/mo
Deposit HK$9.94M · loan HK$14.90M · min. income ≈ HK$159,406/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,300
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,767
−HK$2,506/mo
Today · 4.125%
HK$84,273
baseline
▲ 0.50% · 4.625%
HK$89,401
+HK$5,128/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,546/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,221
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,587
−HK$2,400/mo
Today · 4.125%
HK$92,987
baseline
▲ 0.50% · 4.625%
HK$97,889
+HK$4,902/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,974/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,958
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,129
−HK$3,222/mo
Today · 4.125%
HK$108,351
baseline
▲ 0.50% · 4.625%
HK$114,944
+HK$6,593/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,702/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,427
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$116,469
−HK$3,086/mo
Today · 4.125%
HK$119,555
baseline
▲ 0.50% · 4.625%
HK$125,857
+HK$6,302/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,110/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,729 · Scale 2, in force from 26 Feb 2026)