LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,662
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,424
−HK$1,791/mo
Today · 4.125%
HK$60,215
baseline
▲ 0.50% · 4.625%
HK$63,879
+HK$3,664/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,430/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,035
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,726
−HK$1,715/mo
Today · 4.125%
HK$66,441
baseline
▲ 0.50% · 4.625%
HK$69,943
+HK$3,502/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,882/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,994
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,109
−HK$2,149/mo
Today · 4.125%
HK$72,258
baseline
▲ 0.50% · 4.625%
HK$76,654
+HK$4,396/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,516/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,643
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,671
−HK$2,058/mo
Today · 4.125%
HK$79,729
baseline
▲ 0.50% · 4.625%
HK$83,932
+HK$4,203/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,458/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,326
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,794
−HK$2,507/mo
Today · 4.125%
HK$84,301
baseline
▲ 0.50% · 4.625%
HK$89,430
+HK$5,129/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,602/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,250
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,616
−HK$2,401/mo
Today · 4.125%
HK$93,017
baseline
▲ 0.50% · 4.625%
HK$97,921
+HK$4,904/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$186,034/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,991
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$105,163
−HK$3,224/mo
Today · 4.125%
HK$108,387
baseline
▲ 0.50% · 4.625%
HK$114,982
+HK$6,595/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,774/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,464
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$116,507
−HK$3,087/mo
Today · 4.125%
HK$119,594
baseline
▲ 0.50% · 4.625%
HK$125,898
+HK$6,304/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,188/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,074 · Scale 2, in force from 26 Feb 2026)