LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,705
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,469
−HK$1,792/mo
Today · 4.125%
HK$60,261
baseline
▲ 0.50% · 4.625%
HK$63,928
+HK$3,667/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,522/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,084
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,776
−HK$1,716/mo
Today · 4.125%
HK$66,492
baseline
▲ 0.50% · 4.625%
HK$69,997
+HK$3,505/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,984/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,046
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,163
−HK$2,150/mo
Today · 4.125%
HK$72,313
baseline
▲ 0.50% · 4.625%
HK$76,713
+HK$4,400/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,626/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,701
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,731
−HK$2,060/mo
Today · 4.125%
HK$79,791
baseline
▲ 0.50% · 4.625%
HK$83,996
+HK$4,205/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,582/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,387
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,857
−HK$2,509/mo
Today · 4.125%
HK$84,366
baseline
▲ 0.50% · 4.625%
HK$89,499
+HK$5,133/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,732/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,318
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$90,686
−HK$2,403/mo
Today · 4.125%
HK$93,089
baseline
▲ 0.50% · 4.625%
HK$97,996
+HK$4,907/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,178/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,069
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,244
−HK$3,226/mo
Today · 4.125%
HK$108,470
baseline
▲ 0.50% · 4.625%
HK$115,070
+HK$6,600/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$216,940/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,551
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$116,596
−HK$3,090/mo
Today · 4.125%
HK$119,686
baseline
▲ 0.50% · 4.625%
HK$125,995
+HK$6,309/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$239,372/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,886 · Scale 2, in force from 26 Feb 2026)