LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,655
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,417
−HK$1,791/mo
Today · 4.125%
HK$60,208
baseline
▲ 0.50% · 4.625%
HK$63,871
+HK$3,663/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,416/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,028
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,718
−HK$1,715/mo
Today · 4.125%
HK$66,433
baseline
▲ 0.50% · 4.625%
HK$69,935
+HK$3,502/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,866/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,986
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,101
−HK$2,148/mo
Today · 4.125%
HK$72,249
baseline
▲ 0.50% · 4.625%
HK$76,645
+HK$4,396/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,498/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,634
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,662
−HK$2,058/mo
Today · 4.125%
HK$79,720
baseline
▲ 0.50% · 4.625%
HK$83,922
+HK$4,202/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,440/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,317
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$81,784
−HK$2,507/mo
Today · 4.125%
HK$84,291
baseline
▲ 0.50% · 4.625%
HK$89,420
+HK$5,129/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,582/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,239
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,606
−HK$2,400/mo
Today · 4.125%
HK$93,006
baseline
▲ 0.50% · 4.625%
HK$97,909
+HK$4,903/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$186,012/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,979
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$105,151
−HK$3,223/mo
Today · 4.125%
HK$108,374
baseline
▲ 0.50% · 4.625%
HK$114,968
+HK$6,594/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,748/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,450
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$116,493
−HK$3,087/mo
Today · 4.125%
HK$119,580
baseline
▲ 0.50% · 4.625%
HK$125,883
+HK$6,303/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,160/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,948 · Scale 2, in force from 26 Feb 2026)