LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,676
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,439
−HK$1,791/mo
Today · 4.125%
HK$60,230
baseline
▲ 0.50% · 4.625%
HK$63,895
+HK$3,665/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,460/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,052
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,743
−HK$1,715/mo
Today · 4.125%
HK$66,458
baseline
▲ 0.50% · 4.625%
HK$69,961
+HK$3,503/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,916/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,011
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,127
−HK$2,149/mo
Today · 4.125%
HK$72,276
baseline
▲ 0.50% · 4.625%
HK$76,674
+HK$4,398/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,552/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,662
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,691
−HK$2,059/mo
Today · 4.125%
HK$79,750
baseline
▲ 0.50% · 4.625%
HK$83,953
+HK$4,203/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,500/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,347
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,815
−HK$2,507/mo
Today · 4.125%
HK$84,322
baseline
▲ 0.50% · 4.625%
HK$89,453
+HK$5,131/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,644/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,272
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,640
−HK$2,401/mo
Today · 4.125%
HK$93,041
baseline
▲ 0.50% · 4.625%
HK$97,946
+HK$4,905/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,082/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,017
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$105,190
−HK$3,224/mo
Today · 4.125%
HK$108,414
baseline
▲ 0.50% · 4.625%
HK$115,011
+HK$6,597/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$216,828/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,493
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$116,537
−HK$3,088/mo
Today · 4.125%
HK$119,625
baseline
▲ 0.50% · 4.625%
HK$125,930
+HK$6,305/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$239,250/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,344 · Scale 2, in force from 26 Feb 2026)