LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,736
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,501
−HK$1,793/mo
Today · 4.125%
HK$60,294
baseline
▲ 0.50% · 4.625%
HK$63,963
+HK$3,669/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,588/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,119
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,811
−HK$1,718/mo
Today · 4.125%
HK$66,529
baseline
▲ 0.50% · 4.625%
HK$70,036
+HK$3,507/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,058/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,084
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,201
−HK$2,152/mo
Today · 4.125%
HK$72,353
baseline
▲ 0.50% · 4.625%
HK$76,756
+HK$4,403/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,706/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,742
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,774
−HK$2,060/mo
Today · 4.125%
HK$79,834
baseline
▲ 0.50% · 4.625%
HK$84,043
+HK$4,209/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,668/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,431
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,902
−HK$2,510/mo
Today · 4.125%
HK$84,412
baseline
▲ 0.50% · 4.625%
HK$89,548
+HK$5,136/mo
Deposit HK$7.46M · loan HK$17.42M · min. income ≈ HK$168,824/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,366
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,736
−HK$2,404/mo
Today · 4.125%
HK$93,140
baseline
▲ 0.50% · 4.625%
HK$98,050
+HK$4,910/mo
Deposit HK$7.46M · loan HK$17.42M · min. income ≈ HK$186,280/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,125
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,302
−HK$3,228/mo
Today · 4.125%
HK$108,530
baseline
▲ 0.50% · 4.625%
HK$115,133
+HK$6,603/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$217,060/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,613
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,661
−HK$3,091/mo
Today · 4.125%
HK$119,752
baseline
▲ 0.50% · 4.625%
HK$126,064
+HK$6,312/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,504/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,467 · Scale 2, in force from 26 Feb 2026)