LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,706
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,470
−HK$1,792/mo
Today · 4.125%
HK$60,262
baseline
▲ 0.50% · 4.625%
HK$63,929
+HK$3,667/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,524/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,085
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,777
−HK$1,717/mo
Today · 4.125%
HK$66,494
baseline
▲ 0.50% · 4.625%
HK$69,998
+HK$3,504/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,988/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,048
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,164
−HK$2,151/mo
Today · 4.125%
HK$72,315
baseline
▲ 0.50% · 4.625%
HK$76,715
+HK$4,400/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,630/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,702
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,733
−HK$2,059/mo
Today · 4.125%
HK$79,792
baseline
▲ 0.50% · 4.625%
HK$83,998
+HK$4,206/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,584/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,389
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$81,858
−HK$2,509/mo
Today · 4.125%
HK$84,367
baseline
▲ 0.50% · 4.625%
HK$89,501
+HK$5,134/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,734/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,319
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,688
−HK$2,403/mo
Today · 4.125%
HK$93,091
baseline
▲ 0.50% · 4.625%
HK$97,998
+HK$4,907/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,182/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,071
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,246
−HK$3,226/mo
Today · 4.125%
HK$108,472
baseline
▲ 0.50% · 4.625%
HK$115,072
+HK$6,600/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$216,944/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,553
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$116,599
−HK$3,089/mo
Today · 4.125%
HK$119,688
baseline
▲ 0.50% · 4.625%
HK$125,997
+HK$6,309/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$239,376/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,908 · Scale 2, in force from 26 Feb 2026)