LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,645
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,407
−HK$1,791/mo
Today · 4.125%
HK$60,198
baseline
▲ 0.50% · 4.625%
HK$63,860
+HK$3,662/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,396/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,017
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,708
−HK$1,714/mo
Today · 4.125%
HK$66,422
baseline
▲ 0.50% · 4.625%
HK$69,923
+HK$3,501/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,844/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,974
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,089
−HK$2,148/mo
Today · 4.125%
HK$72,237
baseline
▲ 0.50% · 4.625%
HK$76,633
+HK$4,396/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,474/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,621
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,649
−HK$2,058/mo
Today · 4.125%
HK$79,707
baseline
▲ 0.50% · 4.625%
HK$83,908
+HK$4,201/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,414/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,304
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,770
−HK$2,507/mo
Today · 4.125%
HK$84,277
baseline
▲ 0.50% · 4.625%
HK$89,405
+HK$5,128/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,554/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,224
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,591
−HK$2,400/mo
Today · 4.125%
HK$92,991
baseline
▲ 0.50% · 4.625%
HK$97,893
+HK$4,902/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,982/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,962
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$105,133
−HK$3,223/mo
Today · 4.125%
HK$108,356
baseline
▲ 0.50% · 4.625%
HK$114,949
+HK$6,593/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,712/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,431
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$116,474
−HK$3,086/mo
Today · 4.125%
HK$119,560
baseline
▲ 0.50% · 4.625%
HK$125,862
+HK$6,302/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,120/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,772 · Scale 2, in force from 26 Feb 2026)