LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,707
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,471
−HK$1,792/mo
Today · 4.125%
HK$60,263
baseline
▲ 0.50% · 4.625%
HK$63,930
+HK$3,667/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,526/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,086
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,778
−HK$1,716/mo
Today · 4.125%
HK$66,494
baseline
▲ 0.50% · 4.625%
HK$69,999
+HK$3,505/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$1,056,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,048
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,165
−HK$2,150/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$1,056,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,703
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,733
−HK$2,060/mo
Today · 4.125%
HK$79,793
baseline
▲ 0.50% · 4.625%
HK$83,999
+HK$4,206/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,586/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,389
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,859
−HK$2,509/mo
Today · 4.125%
HK$84,368
baseline
▲ 0.50% · 4.625%
HK$89,501
+HK$5,133/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,736/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,320
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,689
−HK$2,403/mo
Today · 4.125%
HK$93,092
baseline
▲ 0.50% · 4.625%
HK$97,999
+HK$4,907/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,184/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,072
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,247
−HK$3,226/mo
Today · 4.125%
HK$108,473
baseline
▲ 0.50% · 4.625%
HK$115,073
+HK$6,600/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$216,946/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,554
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$116,600
−HK$3,089/mo
Today · 4.125%
HK$119,689
baseline
▲ 0.50% · 4.625%
HK$125,998
+HK$6,309/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$239,378/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,915 · Scale 2, in force from 26 Feb 2026)