LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,669
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,432
−HK$1,791/mo
Today · 4.125%
HK$60,223
baseline
▲ 0.50% · 4.625%
HK$63,887
+HK$3,664/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,446/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,044
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,735
−HK$1,715/mo
Today · 4.125%
HK$66,450
baseline
▲ 0.50% · 4.625%
HK$69,952
+HK$3,502/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,900/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,003
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,118
−HK$2,149/mo
Today · 4.125%
HK$72,267
baseline
▲ 0.50% · 4.625%
HK$76,665
+HK$4,398/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,534/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,652
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,681
−HK$2,059/mo
Today · 4.125%
HK$79,740
baseline
▲ 0.50% · 4.625%
HK$83,943
+HK$4,203/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,480/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,337
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,804
−HK$2,508/mo
Today · 4.125%
HK$84,312
baseline
▲ 0.50% · 4.625%
HK$89,442
+HK$5,130/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,624/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,261
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,628
−HK$2,402/mo
Today · 4.125%
HK$93,030
baseline
▲ 0.50% · 4.625%
HK$97,933
+HK$4,903/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,060/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,004
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$105,177
−HK$3,224/mo
Today · 4.125%
HK$108,401
baseline
▲ 0.50% · 4.625%
HK$114,997
+HK$6,596/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$216,802/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,479
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$116,522
−HK$3,088/mo
Today · 4.125%
HK$119,610
baseline
▲ 0.50% · 4.625%
HK$125,914
+HK$6,304/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$239,220/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,213 · Scale 2, in force from 26 Feb 2026)