LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,679
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,442
−HK$1,792/mo
Today · 4.125%
HK$60,234
baseline
▲ 0.50% · 4.625%
HK$63,899
+HK$3,665/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,468/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,055
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,746
−HK$1,716/mo
Today · 4.125%
HK$66,462
baseline
▲ 0.50% · 4.625%
HK$69,965
+HK$3,503/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,924/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,015
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,131
−HK$2,149/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$1,056,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,666
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,695
−HK$2,059/mo
Today · 4.125%
HK$79,754
baseline
▲ 0.50% · 4.625%
HK$83,958
+HK$4,204/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,508/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,351
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$81,819
−HK$2,508/mo
Today · 4.125%
HK$84,327
baseline
▲ 0.50% · 4.625%
HK$89,458
+HK$5,131/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,654/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,277
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,645
−HK$2,401/mo
Today · 4.125%
HK$93,046
baseline
▲ 0.50% · 4.625%
HK$97,951
+HK$4,905/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$1,056,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,023
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$105,196
−HK$3,224/mo
Today · 4.125%
HK$108,420
baseline
▲ 0.50% · 4.625%
HK$115,018
+HK$6,598/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$216,840/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,499
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$116,543
−HK$3,088/mo
Today · 4.125%
HK$119,631
baseline
▲ 0.50% · 4.625%
HK$125,937
+HK$6,306/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$239,262/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,403 · Scale 2, in force from 26 Feb 2026)