LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,683
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,446
−HK$1,792/mo
Today · 4.125%
HK$60,238
baseline
▲ 0.50% · 4.625%
HK$63,903
+HK$3,665/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,476/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,059
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,751
−HK$1,715/mo
Today · 4.125%
HK$66,466
baseline
▲ 0.50% · 4.625%
HK$69,970
+HK$3,504/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,932/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,020
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,136
−HK$2,149/mo
Today · 4.125%
HK$72,285
baseline
▲ 0.50% · 4.625%
HK$76,684
+HK$4,399/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,570/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,671
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$77,701
−HK$2,059/mo
Today · 4.125%
HK$79,760
baseline
▲ 0.50% · 4.625%
HK$83,964
+HK$4,204/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,520/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,356
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$81,825
−HK$2,508/mo
Today · 4.125%
HK$84,333
baseline
▲ 0.50% · 4.625%
HK$89,464
+HK$5,131/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,666/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,283
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$90,651
−HK$2,402/mo
Today · 4.125%
HK$93,053
baseline
▲ 0.50% · 4.625%
HK$97,958
+HK$4,905/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,106/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,030
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$105,203
−HK$3,225/mo
Today · 4.125%
HK$108,428
baseline
▲ 0.50% · 4.625%
HK$115,025
+HK$6,597/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$216,856/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,507
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$116,551
−HK$3,088/mo
Today · 4.125%
HK$119,639
baseline
▲ 0.50% · 4.625%
HK$125,946
+HK$6,307/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$239,278/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,474 · Scale 2, in force from 26 Feb 2026)