LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,672
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,434
−HK$1,791/mo
Today · 4.125%
HK$60,225
baseline
▲ 0.50% · 4.625%
HK$63,890
+HK$3,665/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,450/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,046
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,737
−HK$1,716/mo
Today · 4.125%
HK$66,453
baseline
▲ 0.50% · 4.625%
HK$69,955
+HK$3,502/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,906/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,006
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,121
−HK$2,149/mo
Today · 4.125%
HK$72,270
baseline
▲ 0.50% · 4.625%
HK$76,668
+HK$4,398/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,540/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,656
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,685
−HK$2,058/mo
Today · 4.125%
HK$79,743
baseline
▲ 0.50% · 4.625%
HK$83,947
+HK$4,204/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,486/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,340
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,808
−HK$2,507/mo
Today · 4.125%
HK$84,315
baseline
▲ 0.50% · 4.625%
HK$89,446
+HK$5,131/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,630/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,265
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,632
−HK$2,402/mo
Today · 4.125%
HK$93,034
baseline
▲ 0.50% · 4.625%
HK$97,938
+HK$4,904/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,068/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,009
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$105,182
−HK$3,224/mo
Today · 4.125%
HK$108,406
baseline
▲ 0.50% · 4.625%
HK$115,002
+HK$6,596/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$216,812/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,484
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$116,527
−HK$3,088/mo
Today · 4.125%
HK$119,615
baseline
▲ 0.50% · 4.625%
HK$125,920
+HK$6,305/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$239,230/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,258 · Scale 2, in force from 26 Feb 2026)