LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,647
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,409
−HK$1,790/mo
Today · 4.125%
HK$60,199
baseline
▲ 0.50% · 4.625%
HK$63,862
+HK$3,663/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,398/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,019
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,709
−HK$1,714/mo
Today · 4.125%
HK$66,423
baseline
▲ 0.50% · 4.625%
HK$69,925
+HK$3,502/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,846/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,976
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,090
−HK$2,149/mo
Today · 4.125%
HK$72,239
baseline
▲ 0.50% · 4.625%
HK$76,634
+HK$4,395/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,478/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,623
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,651
−HK$2,057/mo
Today · 4.125%
HK$79,708
baseline
▲ 0.50% · 4.625%
HK$83,910
+HK$4,202/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,416/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,305
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,772
−HK$2,506/mo
Today · 4.125%
HK$84,278
baseline
▲ 0.50% · 4.625%
HK$89,406
+HK$5,128/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,556/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,226
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,592
−HK$2,401/mo
Today · 4.125%
HK$92,993
baseline
▲ 0.50% · 4.625%
HK$97,895
+HK$4,902/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,986/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,964
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$105,136
−HK$3,222/mo
Today · 4.125%
HK$108,358
baseline
▲ 0.50% · 4.625%
HK$114,951
+HK$6,593/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,716/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,434
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$116,476
−HK$3,086/mo
Today · 4.125%
HK$119,562
baseline
▲ 0.50% · 4.625%
HK$125,865
+HK$6,303/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,124/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,794 · Scale 2, in force from 26 Feb 2026)