LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,652
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,415
−HK$1,790/mo
Today · 4.125%
HK$60,205
baseline
▲ 0.50% · 4.625%
HK$63,868
+HK$3,663/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,410/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,025
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,716
−HK$1,714/mo
Today · 4.125%
HK$66,430
baseline
▲ 0.50% · 4.625%
HK$69,932
+HK$3,502/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,860/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,983
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,098
−HK$2,148/mo
Today · 4.125%
HK$72,246
baseline
▲ 0.50% · 4.625%
HK$76,642
+HK$4,396/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,492/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,630
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,659
−HK$2,057/mo
Today · 4.125%
HK$79,716
baseline
▲ 0.50% · 4.625%
HK$83,918
+HK$4,202/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,432/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,313
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$81,781
−HK$2,506/mo
Today · 4.125%
HK$84,287
baseline
▲ 0.50% · 4.625%
HK$89,416
+HK$5,129/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,574/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,235
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,602
−HK$2,400/mo
Today · 4.125%
HK$93,002
baseline
▲ 0.50% · 4.625%
HK$97,905
+HK$4,903/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$186,004/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,974
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$105,146
−HK$3,223/mo
Today · 4.125%
HK$108,369
baseline
▲ 0.50% · 4.625%
HK$114,963
+HK$6,594/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,738/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,446
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$116,488
−HK$3,087/mo
Today · 4.125%
HK$119,575
baseline
▲ 0.50% · 4.625%
HK$125,878
+HK$6,303/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,150/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,903 · Scale 2, in force from 26 Feb 2026)