LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,702
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,466
−HK$1,792/mo
Today · 4.125%
HK$60,258
baseline
▲ 0.50% · 4.625%
HK$63,924
+HK$3,666/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,516/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,080
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,772
−HK$1,716/mo
Today · 4.125%
HK$66,488
baseline
▲ 0.50% · 4.625%
HK$69,993
+HK$3,505/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,976/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,042
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,159
−HK$2,150/mo
Today · 4.125%
HK$72,309
baseline
▲ 0.50% · 4.625%
HK$76,709
+HK$4,400/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,618/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,696
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,726
−HK$2,060/mo
Today · 4.125%
HK$79,786
baseline
▲ 0.50% · 4.625%
HK$83,991
+HK$4,205/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,572/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,383
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$81,852
−HK$2,509/mo
Today · 4.125%
HK$84,361
baseline
▲ 0.50% · 4.625%
HK$89,494
+HK$5,133/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,722/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,312
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,681
−HK$2,403/mo
Today · 4.125%
HK$93,084
baseline
▲ 0.50% · 4.625%
HK$97,990
+HK$4,906/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,168/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,063
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,238
−HK$3,226/mo
Today · 4.125%
HK$108,464
baseline
▲ 0.50% · 4.625%
HK$115,063
+HK$6,599/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$216,928/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,544
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$116,590
−HK$3,089/mo
Today · 4.125%
HK$119,679
baseline
▲ 0.50% · 4.625%
HK$125,987
+HK$6,308/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$239,358/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,823 · Scale 2, in force from 26 Feb 2026)