LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,672
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,435
−HK$1,791/mo
Today · 4.125%
HK$60,226
baseline
▲ 0.50% · 4.625%
HK$63,890
+HK$3,664/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,452/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,047
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,738
−HK$1,715/mo
Today · 4.125%
HK$66,453
baseline
▲ 0.50% · 4.625%
HK$69,956
+HK$3,503/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$1,056,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,006
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,122
−HK$2,149/mo
Today · 4.125%
HK$72,271
baseline
▲ 0.50% · 4.625%
HK$76,669
+HK$4,398/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,542/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,656
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,686
−HK$2,058/mo
Today · 4.125%
HK$79,744
baseline
▲ 0.50% · 4.625%
HK$83,947
+HK$4,203/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,488/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,341
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,809
−HK$2,507/mo
Today · 4.125%
HK$84,316
baseline
▲ 0.50% · 4.625%
HK$89,447
+HK$5,131/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,632/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,266
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,633
−HK$2,402/mo
Today · 4.125%
HK$93,035
baseline
▲ 0.50% · 4.625%
HK$97,939
+HK$4,904/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,070/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,010
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$105,183
−HK$3,224/mo
Today · 4.125%
HK$108,407
baseline
▲ 0.50% · 4.625%
HK$115,003
+HK$6,596/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$216,814/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,485
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$116,528
−HK$3,088/mo
Today · 4.125%
HK$119,616
baseline
▲ 0.50% · 4.625%
HK$125,921
+HK$6,305/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$239,232/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,268 · Scale 2, in force from 26 Feb 2026)