LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,687
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,450
−HK$1,791/mo
Today · 4.125%
HK$60,241
baseline
▲ 0.50% · 4.625%
HK$63,907
+HK$3,666/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,482/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,063
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,754
−HK$1,716/mo
Today · 4.125%
HK$66,470
baseline
▲ 0.50% · 4.625%
HK$69,974
+HK$3,504/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,940/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,024
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,140
−HK$2,149/mo
Today · 4.125%
HK$72,289
baseline
▲ 0.50% · 4.625%
HK$76,688
+HK$4,399/mo
Deposit HK$9.94M · loan HK$14.92M · min. income ≈ HK$144,578/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,676
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,705
−HK$2,059/mo
Today · 4.125%
HK$79,764
baseline
▲ 0.50% · 4.625%
HK$83,969
+HK$4,205/mo
Deposit HK$9.94M · loan HK$14.92M · min. income ≈ HK$159,528/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,361
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$81,830
−HK$2,508/mo
Today · 4.125%
HK$84,338
baseline
▲ 0.50% · 4.625%
HK$89,469
+HK$5,131/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,676/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,288
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$90,656
−HK$2,402/mo
Today · 4.125%
HK$93,058
baseline
▲ 0.50% · 4.625%
HK$97,964
+HK$4,906/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,116/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,036
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$105,210
−HK$3,224/mo
Today · 4.125%
HK$108,434
baseline
▲ 0.50% · 4.625%
HK$115,032
+HK$6,598/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$216,868/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,514
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$116,558
−HK$3,088/mo
Today · 4.125%
HK$119,646
baseline
▲ 0.50% · 4.625%
HK$125,953
+HK$6,307/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$239,292/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,538 · Scale 2, in force from 26 Feb 2026)