LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,737
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,502
−HK$1,793/mo
Today · 4.125%
HK$60,295
baseline
▲ 0.50% · 4.625%
HK$63,964
+HK$3,669/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,590/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,120
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,812
−HK$1,718/mo
Today · 4.125%
HK$66,530
baseline
▲ 0.50% · 4.625%
HK$70,037
+HK$3,507/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,060/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,085
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,202
−HK$2,152/mo
Today · 4.125%
HK$72,354
baseline
▲ 0.50% · 4.625%
HK$76,757
+HK$4,403/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,708/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,743
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,775
−HK$2,061/mo
Today · 4.125%
HK$79,836
baseline
▲ 0.50% · 4.625%
HK$84,044
+HK$4,208/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,672/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,432
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,903
−HK$2,510/mo
Today · 4.125%
HK$84,413
baseline
▲ 0.50% · 4.625%
HK$89,549
+HK$5,136/mo
Deposit HK$7.46M · loan HK$17.42M · min. income ≈ HK$168,826/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,367
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,737
−HK$2,405/mo
Today · 4.125%
HK$93,142
baseline
▲ 0.50% · 4.625%
HK$98,051
+HK$4,909/mo
Deposit HK$7.46M · loan HK$17.42M · min. income ≈ HK$186,284/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,127
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$105,304
−HK$3,227/mo
Today · 4.125%
HK$108,531
baseline
▲ 0.50% · 4.625%
HK$115,135
+HK$6,604/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$217,062/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,615
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$116,662
−HK$3,091/mo
Today · 4.125%
HK$119,753
baseline
▲ 0.50% · 4.625%
HK$126,066
+HK$6,313/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,506/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,483 · Scale 2, in force from 26 Feb 2026)