LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,724
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,489
−HK$1,792/mo
Today · 4.125%
HK$60,281
baseline
▲ 0.50% · 4.625%
HK$63,949
+HK$3,668/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,562/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,105
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,797
−HK$1,717/mo
Today · 4.125%
HK$66,514
baseline
▲ 0.50% · 4.625%
HK$70,020
+HK$3,506/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,028/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,069
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,186
−HK$2,151/mo
Today · 4.125%
HK$72,337
baseline
▲ 0.50% · 4.625%
HK$76,739
+HK$4,402/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,674/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,726
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,757
−HK$2,060/mo
Today · 4.125%
HK$79,817
baseline
▲ 0.50% · 4.625%
HK$84,025
+HK$4,208/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,634/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,414
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,884
−HK$2,510/mo
Today · 4.125%
HK$84,394
baseline
▲ 0.50% · 4.625%
HK$89,529
+HK$5,135/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,788/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,347
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,716
−HK$2,404/mo
Today · 4.125%
HK$93,120
baseline
▲ 0.50% · 4.625%
HK$98,029
+HK$4,909/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,240/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,103
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$105,279
−HK$3,227/mo
Today · 4.125%
HK$108,506
baseline
▲ 0.50% · 4.625%
HK$115,109
+HK$6,603/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$217,012/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,589
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$116,635
−HK$3,091/mo
Today · 4.125%
HK$119,726
baseline
▲ 0.50% · 4.625%
HK$126,037
+HK$6,311/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,452/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,239 · Scale 2, in force from 26 Feb 2026)