LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,715
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,479
−HK$1,793/mo
Today · 4.125%
HK$60,272
baseline
▲ 0.50% · 4.625%
HK$63,939
+HK$3,667/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,544/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,095
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,787
−HK$1,717/mo
Today · 4.125%
HK$66,504
baseline
▲ 0.50% · 4.625%
HK$70,009
+HK$3,505/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,008/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,058
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,175
−HK$2,151/mo
Today · 4.125%
HK$72,326
baseline
▲ 0.50% · 4.625%
HK$76,727
+HK$4,401/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,652/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,714
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,745
−HK$2,060/mo
Today · 4.125%
HK$79,805
baseline
▲ 0.50% · 4.625%
HK$84,011
+HK$4,206/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,610/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,401
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,871
−HK$2,509/mo
Today · 4.125%
HK$84,380
baseline
▲ 0.50% · 4.625%
HK$89,515
+HK$5,135/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,760/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,333
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,702
−HK$2,404/mo
Today · 4.125%
HK$93,106
baseline
▲ 0.50% · 4.625%
HK$98,013
+HK$4,907/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,212/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,087
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$105,263
−HK$3,226/mo
Today · 4.125%
HK$108,489
baseline
▲ 0.50% · 4.625%
HK$115,090
+HK$6,601/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$216,978/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,571
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$116,617
−HK$3,090/mo
Today · 4.125%
HK$119,707
baseline
▲ 0.50% · 4.625%
HK$126,017
+HK$6,310/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,414/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,073 · Scale 2, in force from 26 Feb 2026)