LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,735
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,499
−HK$1,793/mo
Today · 4.125%
HK$60,292
baseline
▲ 0.50% · 4.625%
HK$63,961
+HK$3,669/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,584/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,117
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,809
−HK$1,718/mo
Today · 4.125%
HK$66,527
baseline
▲ 0.50% · 4.625%
HK$70,033
+HK$3,506/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,054/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,082
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,199
−HK$2,152/mo
Today · 4.125%
HK$72,351
baseline
▲ 0.50% · 4.625%
HK$76,753
+HK$4,402/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,702/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,740
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,771
−HK$2,061/mo
Today · 4.125%
HK$79,832
baseline
▲ 0.50% · 4.625%
HK$84,040
+HK$4,208/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,664/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,428
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,899
−HK$2,510/mo
Today · 4.125%
HK$84,409
baseline
▲ 0.50% · 4.625%
HK$89,545
+HK$5,136/mo
Deposit HK$7.46M · loan HK$17.42M · min. income ≈ HK$168,818/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,363
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,733
−HK$2,404/mo
Today · 4.125%
HK$93,137
baseline
▲ 0.50% · 4.625%
HK$98,047
+HK$4,910/mo
Deposit HK$7.46M · loan HK$17.42M · min. income ≈ HK$186,274/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,122
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$105,299
−HK$3,227/mo
Today · 4.125%
HK$108,526
baseline
▲ 0.50% · 4.625%
HK$115,130
+HK$6,604/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$217,052/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,610
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$116,657
−HK$3,091/mo
Today · 4.125%
HK$119,748
baseline
▲ 0.50% · 4.625%
HK$126,060
+HK$6,312/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,496/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,434 · Scale 2, in force from 26 Feb 2026)