LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,715
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,480
−HK$1,792/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$1,057,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,095
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,788
−HK$1,716/mo
Today · 4.125%
HK$66,504
baseline
▲ 0.50% · 4.625%
HK$70,010
+HK$3,506/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$1,057,077 · 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$1,057,077 · 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$84,012
+HK$4,207/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$1,057,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,402
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,871
−HK$2,510/mo
Today · 4.125%
HK$84,381
baseline
▲ 0.50% · 4.625%
HK$89,515
+HK$5,134/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,762/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,333
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,703
−HK$2,403/mo
Today · 4.125%
HK$93,106
baseline
▲ 0.50% · 4.625%
HK$98,014
+HK$4,908/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$1,057,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,088
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$105,263
−HK$3,227/mo
Today · 4.125%
HK$108,490
baseline
▲ 0.50% · 4.625%
HK$115,091
+HK$6,601/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$216,980/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,572
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$116,618
−HK$3,089/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$1,057,077 · Scale 2, in force from 26 Feb 2026)