LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,731
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,496
−HK$1,793/mo
Today · 4.125%
HK$60,289
baseline
▲ 0.50% · 4.625%
HK$63,957
+HK$3,668/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,578/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,113
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,806
−HK$1,717/mo
Today · 4.125%
HK$66,523
baseline
▲ 0.50% · 4.625%
HK$70,029
+HK$3,506/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,046/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,078
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,195
−HK$2,152/mo
Today · 4.125%
HK$72,347
baseline
▲ 0.50% · 4.625%
HK$76,749
+HK$4,402/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,694/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,736
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,767
−HK$2,060/mo
Today · 4.125%
HK$79,827
baseline
▲ 0.50% · 4.625%
HK$84,035
+HK$4,208/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,654/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,424
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,894
−HK$2,510/mo
Today · 4.125%
HK$84,404
baseline
▲ 0.50% · 4.625%
HK$89,540
+HK$5,136/mo
Deposit HK$7.46M · loan HK$17.42M · min. income ≈ HK$168,808/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,358
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,728
−HK$2,404/mo
Today · 4.125%
HK$93,132
baseline
▲ 0.50% · 4.625%
HK$98,041
+HK$4,909/mo
Deposit HK$7.46M · loan HK$17.42M · min. income ≈ HK$186,264/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,116
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$105,293
−HK$3,227/mo
Today · 4.125%
HK$108,520
baseline
▲ 0.50% · 4.625%
HK$115,123
+HK$6,603/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$217,040/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,604
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$116,650
−HK$3,091/mo
Today · 4.125%
HK$119,741
baseline
▲ 0.50% · 4.625%
HK$126,053
+HK$6,312/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,482/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,374 · Scale 2, in force from 26 Feb 2026)