LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,700
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,464
−HK$1,792/mo
Today · 4.125%
HK$60,256
baseline
▲ 0.50% · 4.625%
HK$63,922
+HK$3,666/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,512/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,078
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,770
−HK$1,716/mo
Today · 4.125%
HK$66,486
baseline
▲ 0.50% · 4.625%
HK$69,991
+HK$3,505/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,972/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,040
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,157
−HK$2,150/mo
Today · 4.125%
HK$72,307
baseline
▲ 0.50% · 4.625%
HK$76,707
+HK$4,400/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,614/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,694
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,724
−HK$2,060/mo
Today · 4.125%
HK$79,784
baseline
▲ 0.50% · 4.625%
HK$83,989
+HK$4,205/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,568/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,380
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$81,850
−HK$2,508/mo
Today · 4.125%
HK$84,358
baseline
▲ 0.50% · 4.625%
HK$89,491
+HK$5,133/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,716/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,310
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$90,678
−HK$2,403/mo
Today · 4.125%
HK$93,081
baseline
▲ 0.50% · 4.625%
HK$97,987
+HK$4,906/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,162/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,060
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,235
−HK$3,226/mo
Today · 4.125%
HK$108,461
baseline
▲ 0.50% · 4.625%
HK$115,060
+HK$6,599/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$216,922/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,541
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$116,586
−HK$3,090/mo
Today · 4.125%
HK$119,676
baseline
▲ 0.50% · 4.625%
HK$125,984
+HK$6,308/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$239,352/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,794 · Scale 2, in force from 26 Feb 2026)