LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,718
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,482
−HK$1,792/mo
Today · 4.125%
HK$60,274
baseline
▲ 0.50% · 4.625%
HK$63,942
+HK$3,668/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,548/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,098
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,790
−HK$1,717/mo
Today · 4.125%
HK$66,507
baseline
▲ 0.50% · 4.625%
HK$70,013
+HK$3,506/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,014/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,061
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,178
−HK$2,151/mo
Today · 4.125%
HK$72,329
baseline
▲ 0.50% · 4.625%
HK$76,730
+HK$4,401/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,658/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,717
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,748
−HK$2,060/mo
Today · 4.125%
HK$79,808
baseline
▲ 0.50% · 4.625%
HK$84,015
+HK$4,207/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,616/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,405
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,875
−HK$2,509/mo
Today · 4.125%
HK$84,384
baseline
▲ 0.50% · 4.625%
HK$89,519
+HK$5,135/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,768/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,337
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,706
−HK$2,404/mo
Today · 4.125%
HK$93,110
baseline
▲ 0.50% · 4.625%
HK$98,018
+HK$4,908/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,220/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,092
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$105,268
−HK$3,226/mo
Today · 4.125%
HK$108,494
baseline
▲ 0.50% · 4.625%
HK$115,096
+HK$6,602/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$216,988/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,576
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$116,622
−HK$3,090/mo
Today · 4.125%
HK$119,712
baseline
▲ 0.50% · 4.625%
HK$126,023
+HK$6,311/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,424/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,120 · Scale 2, in force from 26 Feb 2026)