LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,656
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,419
−HK$1,790/mo
Today · 4.125%
HK$60,209
baseline
▲ 0.50% · 4.625%
HK$63,873
+HK$3,664/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,418/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,030
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,720
−HK$1,715/mo
Today · 4.125%
HK$66,435
baseline
▲ 0.50% · 4.625%
HK$69,937
+HK$3,502/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,870/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,988
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,102
−HK$2,149/mo
Today · 4.125%
HK$72,251
baseline
▲ 0.50% · 4.625%
HK$76,647
+HK$4,396/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,502/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,635
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,664
−HK$2,058/mo
Today · 4.125%
HK$79,722
baseline
▲ 0.50% · 4.625%
HK$83,924
+HK$4,202/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,444/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,319
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$81,786
−HK$2,507/mo
Today · 4.125%
HK$84,293
baseline
▲ 0.50% · 4.625%
HK$89,422
+HK$5,129/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,586/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,241
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$90,608
−HK$2,401/mo
Today · 4.125%
HK$93,009
baseline
▲ 0.50% · 4.625%
HK$97,911
+HK$4,902/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$186,018/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,981
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$105,153
−HK$3,223/mo
Today · 4.125%
HK$108,376
baseline
▲ 0.50% · 4.625%
HK$114,971
+HK$6,595/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,752/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,453
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$116,496
−HK$3,087/mo
Today · 4.125%
HK$119,583
baseline
▲ 0.50% · 4.625%
HK$125,886
+HK$6,303/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,166/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,974 · Scale 2, in force from 26 Feb 2026)