LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,679
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,442
−HK$1,791/mo
Today · 4.125%
HK$60,233
baseline
▲ 0.50% · 4.625%
HK$63,898
+HK$3,665/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,466/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,055
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,746
−HK$1,715/mo
Today · 4.125%
HK$66,461
baseline
▲ 0.50% · 4.625%
HK$69,964
+HK$3,503/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,922/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,015
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,130
−HK$2,150/mo
Today · 4.125%
HK$72,280
baseline
▲ 0.50% · 4.625%
HK$76,678
+HK$4,398/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,560/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,665
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,695
−HK$2,058/mo
Today · 4.125%
HK$79,753
baseline
▲ 0.50% · 4.625%
HK$83,957
+HK$4,204/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,506/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,350
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$81,819
−HK$2,507/mo
Today · 4.125%
HK$84,326
baseline
▲ 0.50% · 4.625%
HK$89,457
+HK$5,131/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,652/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,276
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$90,644
−HK$2,402/mo
Today · 4.125%
HK$93,046
baseline
▲ 0.50% · 4.625%
HK$97,950
+HK$4,904/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,092/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,022
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$105,195
−HK$3,224/mo
Today · 4.125%
HK$108,419
baseline
▲ 0.50% · 4.625%
HK$115,017
+HK$6,598/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$216,838/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,498
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$116,542
−HK$3,088/mo
Today · 4.125%
HK$119,630
baseline
▲ 0.50% · 4.625%
HK$125,936
+HK$6,306/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$239,260/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,394 · Scale 2, in force from 26 Feb 2026)