LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,680
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,444
−HK$1,791/mo
Today · 4.125%
HK$60,235
baseline
▲ 0.50% · 4.625%
HK$63,900
+HK$3,665/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,470/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,056
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,748
−HK$1,715/mo
Today · 4.125%
HK$66,463
baseline
▲ 0.50% · 4.625%
HK$69,967
+HK$3,504/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,926/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,017
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,132
−HK$2,150/mo
Today · 4.125%
HK$72,282
baseline
▲ 0.50% · 4.625%
HK$76,680
+HK$4,398/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,564/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,668
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,697
−HK$2,059/mo
Today · 4.125%
HK$79,756
baseline
▲ 0.50% · 4.625%
HK$83,960
+HK$4,204/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,512/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,353
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$81,821
−HK$2,508/mo
Today · 4.125%
HK$84,329
baseline
▲ 0.50% · 4.625%
HK$89,460
+HK$5,131/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,658/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,279
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$90,647
−HK$2,402/mo
Today · 4.125%
HK$93,049
baseline
▲ 0.50% · 4.625%
HK$97,953
+HK$4,904/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,098/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,025
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$105,198
−HK$3,225/mo
Today · 4.125%
HK$108,423
baseline
▲ 0.50% · 4.625%
HK$115,020
+HK$6,597/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$216,846/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,502
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$116,546
−HK$3,088/mo
Today · 4.125%
HK$119,634
baseline
▲ 0.50% · 4.625%
HK$125,940
+HK$6,306/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$239,268/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,426 · Scale 2, in force from 26 Feb 2026)