LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,712
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,476
−HK$1,792/mo
Today · 4.125%
HK$60,268
baseline
▲ 0.50% · 4.625%
HK$63,936
+HK$3,668/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,536/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,092
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,784
−HK$1,716/mo
Today · 4.125%
HK$66,500
baseline
▲ 0.50% · 4.625%
HK$70,006
+HK$3,506/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,000/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,054
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,171
−HK$2,151/mo
Today · 4.125%
HK$72,322
baseline
▲ 0.50% · 4.625%
HK$76,723
+HK$4,401/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,644/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,710
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,740
−HK$2,060/mo
Today · 4.125%
HK$79,800
baseline
▲ 0.50% · 4.625%
HK$84,007
+HK$4,207/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,600/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,397
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,867
−HK$2,509/mo
Today · 4.125%
HK$84,376
baseline
▲ 0.50% · 4.625%
HK$89,510
+HK$5,134/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,752/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,328
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,697
−HK$2,403/mo
Today · 4.125%
HK$93,100
baseline
▲ 0.50% · 4.625%
HK$98,008
+HK$4,908/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,200/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,082
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,257
−HK$3,226/mo
Today · 4.125%
HK$108,483
baseline
▲ 0.50% · 4.625%
HK$115,084
+HK$6,601/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$216,966/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,565
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$116,611
−HK$3,089/mo
Today · 4.125%
HK$119,700
baseline
▲ 0.50% · 4.625%
HK$126,010
+HK$6,310/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$239,400/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,014 · Scale 2, in force from 26 Feb 2026)