LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,688
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,451
−HK$1,792/mo
Today · 4.125%
HK$60,243
baseline
▲ 0.50% · 4.625%
HK$63,908
+HK$3,665/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,486/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,065
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,756
−HK$1,716/mo
Today · 4.125%
HK$66,472
baseline
▲ 0.50% · 4.625%
HK$69,976
+HK$3,504/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,944/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,025
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$70,141
−HK$2,150/mo
Today · 4.125%
HK$72,291
baseline
▲ 0.50% · 4.625%
HK$76,690
+HK$4,399/mo
Deposit HK$9.94M · loan HK$14.92M · min. income ≈ HK$144,582/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,677
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$77,707
−HK$2,059/mo
Today · 4.125%
HK$79,766
baseline
▲ 0.50% · 4.625%
HK$83,971
+HK$4,205/mo
Deposit HK$9.94M · loan HK$14.92M · min. income ≈ HK$159,532/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,363
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$81,831
−HK$2,509/mo
Today · 4.125%
HK$84,340
baseline
▲ 0.50% · 4.625%
HK$89,471
+HK$5,131/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,680/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,290
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$90,658
−HK$2,402/mo
Today · 4.125%
HK$93,060
baseline
▲ 0.50% · 4.625%
HK$97,966
+HK$4,906/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,120/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,038
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$105,212
−HK$3,225/mo
Today · 4.125%
HK$108,437
baseline
▲ 0.50% · 4.625%
HK$115,035
+HK$6,598/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$216,874/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,516
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$116,561
−HK$3,088/mo
Today · 4.125%
HK$119,649
baseline
▲ 0.50% · 4.625%
HK$125,956
+HK$6,307/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$239,298/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,561 · Scale 2, in force from 26 Feb 2026)