LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,703
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,466
−HK$1,792/mo
Today · 4.125%
HK$60,258
baseline
▲ 0.50% · 4.625%
HK$63,925
+HK$3,667/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$1,056,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,081
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,773
−HK$1,716/mo
Today · 4.125%
HK$66,489
baseline
▲ 0.50% · 4.625%
HK$69,994
+HK$3,505/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,978/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,043
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,160
−HK$2,150/mo
Today · 4.125%
HK$72,310
baseline
▲ 0.50% · 4.625%
HK$76,710
+HK$4,400/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,620/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,697
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,727
−HK$2,060/mo
Today · 4.125%
HK$79,787
baseline
▲ 0.50% · 4.625%
HK$83,993
+HK$4,206/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,574/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,384
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$81,853
−HK$2,509/mo
Today · 4.125%
HK$84,362
baseline
▲ 0.50% · 4.625%
HK$89,495
+HK$5,133/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,724/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,313
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,682
−HK$2,403/mo
Today · 4.125%
HK$93,085
baseline
▲ 0.50% · 4.625%
HK$97,991
+HK$4,906/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,170/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,065
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$105,239
−HK$3,226/mo
Today · 4.125%
HK$108,465
baseline
▲ 0.50% · 4.625%
HK$115,065
+HK$6,600/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$216,930/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,546
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$116,591
−HK$3,089/mo
Today · 4.125%
HK$119,680
baseline
▲ 0.50% · 4.625%
HK$125,989
+HK$6,309/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$239,360/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,836 · Scale 2, in force from 26 Feb 2026)