LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,708
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,472
−HK$1,792/mo
Today · 4.125%
HK$60,264
baseline
▲ 0.50% · 4.625%
HK$63,931
+HK$3,667/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,528/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,087
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,779
−HK$1,716/mo
Today · 4.125%
HK$66,495
baseline
▲ 0.50% · 4.625%
HK$70,000
+HK$3,505/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,990/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,049
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,166
−HK$2,151/mo
Today · 4.125%
HK$72,317
baseline
▲ 0.50% · 4.625%
HK$76,717
+HK$4,400/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,634/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,704
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,735
−HK$2,059/mo
Today · 4.125%
HK$79,794
baseline
▲ 0.50% · 4.625%
HK$84,000
+HK$4,206/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,588/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,391
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,861
−HK$2,509/mo
Today · 4.125%
HK$84,370
baseline
▲ 0.50% · 4.625%
HK$89,503
+HK$5,133/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,740/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,322
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$90,690
−HK$2,403/mo
Today · 4.125%
HK$93,093
baseline
▲ 0.50% · 4.625%
HK$98,001
+HK$4,908/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,186/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,074
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,249
−HK$3,226/mo
Today · 4.125%
HK$108,475
baseline
▲ 0.50% · 4.625%
HK$115,076
+HK$6,601/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$216,950/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,557
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$116,602
−HK$3,090/mo
Today · 4.125%
HK$119,692
baseline
▲ 0.50% · 4.625%
HK$126,001
+HK$6,309/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$239,384/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,936 · Scale 2, in force from 26 Feb 2026)