LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,723
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,487
−HK$1,793/mo
Today · 4.125%
HK$60,280
baseline
▲ 0.50% · 4.625%
HK$63,948
+HK$3,668/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,560/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,103
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,796
−HK$1,717/mo
Today · 4.125%
HK$66,513
baseline
▲ 0.50% · 4.625%
HK$70,019
+HK$3,506/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,026/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,067
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,184
−HK$2,152/mo
Today · 4.125%
HK$72,336
baseline
▲ 0.50% · 4.625%
HK$76,737
+HK$4,401/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,672/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,724
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,755
−HK$2,060/mo
Today · 4.125%
HK$79,815
baseline
▲ 0.50% · 4.625%
HK$84,022
+HK$4,207/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,630/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,412
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,882
−HK$2,510/mo
Today · 4.125%
HK$84,392
baseline
▲ 0.50% · 4.625%
HK$89,527
+HK$5,135/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,784/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,345
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,714
−HK$2,404/mo
Today · 4.125%
HK$93,118
baseline
▲ 0.50% · 4.625%
HK$98,026
+HK$4,908/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,236/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,101
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$105,277
−HK$3,226/mo
Today · 4.125%
HK$108,503
baseline
▲ 0.50% · 4.625%
HK$115,106
+HK$6,603/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$217,006/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,586
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$116,632
−HK$3,091/mo
Today · 4.125%
HK$119,723
baseline
▲ 0.50% · 4.625%
HK$126,034
+HK$6,311/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,446/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,212 · Scale 2, in force from 26 Feb 2026)