LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,689
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,452
−HK$1,792/mo
Today · 4.125%
HK$60,244
baseline
▲ 0.50% · 4.625%
HK$63,909
+HK$3,665/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,488/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,066
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,757
−HK$1,716/mo
Today · 4.125%
HK$66,473
baseline
▲ 0.50% · 4.625%
HK$69,977
+HK$3,504/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,946/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,026
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$70,142
−HK$2,150/mo
Today · 4.125%
HK$72,292
baseline
▲ 0.50% · 4.625%
HK$76,691
+HK$4,399/mo
Deposit HK$9.94M · loan HK$14.92M · min. income ≈ HK$144,584/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,679
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,708
−HK$2,059/mo
Today · 4.125%
HK$79,767
baseline
▲ 0.50% · 4.625%
HK$83,972
+HK$4,205/mo
Deposit HK$9.94M · loan HK$14.92M · min. income ≈ HK$159,534/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,364
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$81,833
−HK$2,508/mo
Today · 4.125%
HK$84,341
baseline
▲ 0.50% · 4.625%
HK$89,473
+HK$5,132/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,682/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,292
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$90,660
−HK$2,402/mo
Today · 4.125%
HK$93,062
baseline
▲ 0.50% · 4.625%
HK$97,967
+HK$4,905/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,124/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,040
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$105,214
−HK$3,224/mo
Today · 4.125%
HK$108,438
baseline
▲ 0.50% · 4.625%
HK$115,037
+HK$6,599/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$216,876/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,518
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$116,563
−HK$3,088/mo
Today · 4.125%
HK$119,651
baseline
▲ 0.50% · 4.625%
HK$125,958
+HK$6,307/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$239,302/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,578 · Scale 2, in force from 26 Feb 2026)