LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,689
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,453
−HK$1,791/mo
Today · 4.125%
HK$60,244
baseline
▲ 0.50% · 4.625%
HK$63,910
+HK$3,666/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$1,056,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,066
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,758
−HK$1,715/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$1,056,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,027
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$70,143
−HK$2,150/mo
Today · 4.125%
HK$72,293
baseline
▲ 0.50% · 4.625%
HK$76,692
+HK$4,399/mo
Deposit HK$9.94M · loan HK$14.92M · min. income ≈ HK$144,586/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,679
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$77,709
−HK$2,059/mo
Today · 4.125%
HK$79,768
baseline
▲ 0.50% · 4.625%
HK$83,973
+HK$4,205/mo
Deposit HK$9.94M · loan HK$14.92M · min. income ≈ HK$159,536/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,365
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$81,834
−HK$2,508/mo
Today · 4.125%
HK$84,342
baseline
▲ 0.50% · 4.625%
HK$89,474
+HK$5,132/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,684/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,293
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$90,661
−HK$2,402/mo
Today · 4.125%
HK$93,063
baseline
▲ 0.50% · 4.625%
HK$97,968
+HK$4,905/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,126/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,041
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$105,215
−HK$3,225/mo
Today · 4.125%
HK$108,440
baseline
▲ 0.50% · 4.625%
HK$115,038
+HK$6,598/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$216,880/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,519
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$116,564
−HK$3,088/mo
Today · 4.125%
HK$119,652
baseline
▲ 0.50% · 4.625%
HK$125,959
+HK$6,307/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$239,304/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,589 · Scale 2, in force from 26 Feb 2026)