LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,717
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,481
−HK$1,792/mo
Today · 4.125%
HK$60,273
baseline
▲ 0.50% · 4.625%
HK$63,941
+HK$3,668/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,546/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,097
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,789
−HK$1,717/mo
Today · 4.125%
HK$66,506
baseline
▲ 0.50% · 4.625%
HK$70,011
+HK$3,505/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,012/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,060
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,177
−HK$2,151/mo
Today · 4.125%
HK$72,328
baseline
▲ 0.50% · 4.625%
HK$76,729
+HK$4,401/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,656/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,716
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,747
−HK$2,060/mo
Today · 4.125%
HK$79,807
baseline
▲ 0.50% · 4.625%
HK$84,013
+HK$4,206/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,614/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,403
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,873
−HK$2,509/mo
Today · 4.125%
HK$84,382
baseline
▲ 0.50% · 4.625%
HK$89,517
+HK$5,135/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,764/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,335
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,704
−HK$2,404/mo
Today · 4.125%
HK$93,108
baseline
▲ 0.50% · 4.625%
HK$98,016
+HK$4,908/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,216/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,090
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$105,265
−HK$3,227/mo
Today · 4.125%
HK$108,492
baseline
▲ 0.50% · 4.625%
HK$115,093
+HK$6,601/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$216,984/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,574
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$116,620
−HK$3,090/mo
Today · 4.125%
HK$119,710
baseline
▲ 0.50% · 4.625%
HK$126,020
+HK$6,310/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,420/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,098 · Scale 2, in force from 26 Feb 2026)