LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,659
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,422
−HK$1,790/mo
Today · 4.125%
HK$60,212
baseline
▲ 0.50% · 4.625%
HK$63,876
+HK$3,664/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,424/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,033
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,723
−HK$1,715/mo
Today · 4.125%
HK$66,438
baseline
▲ 0.50% · 4.625%
HK$69,940
+HK$3,502/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,876/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,991
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,106
−HK$2,149/mo
Today · 4.125%
HK$72,255
baseline
▲ 0.50% · 4.625%
HK$76,651
+HK$4,396/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,510/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,639
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,668
−HK$2,058/mo
Today · 4.125%
HK$79,726
baseline
▲ 0.50% · 4.625%
HK$83,928
+HK$4,202/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,452/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,323
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$81,790
−HK$2,507/mo
Today · 4.125%
HK$84,297
baseline
▲ 0.50% · 4.625%
HK$89,426
+HK$5,129/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,594/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,246
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,613
−HK$2,400/mo
Today · 4.125%
HK$93,013
baseline
▲ 0.50% · 4.625%
HK$97,916
+HK$4,903/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$186,026/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,986
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$105,159
−HK$3,223/mo
Today · 4.125%
HK$108,382
baseline
▲ 0.50% · 4.625%
HK$114,977
+HK$6,595/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,764/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,459
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$116,502
−HK$3,087/mo
Today · 4.125%
HK$119,589
baseline
▲ 0.50% · 4.625%
HK$125,892
+HK$6,303/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,178/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,028 · Scale 2, in force from 26 Feb 2026)