LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,742
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,507
−HK$1,793/mo
Today · 4.125%
HK$60,300
baseline
▲ 0.50% · 4.625%
HK$63,969
+HK$3,669/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,600/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,125
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,818
−HK$1,717/mo
Today · 4.125%
HK$66,535
baseline
▲ 0.50% · 4.625%
HK$70,042
+HK$3,507/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,070/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,090
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,208
−HK$2,152/mo
Today · 4.125%
HK$72,360
baseline
▲ 0.50% · 4.625%
HK$76,763
+HK$4,403/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,720/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,750
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,781
−HK$2,061/mo
Today · 4.125%
HK$79,842
baseline
▲ 0.50% · 4.625%
HK$84,051
+HK$4,209/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,684/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,439
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,909
−HK$2,511/mo
Today · 4.125%
HK$84,420
baseline
▲ 0.50% · 4.625%
HK$89,557
+HK$5,137/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$168,840/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,375
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,745
−HK$2,404/mo
Today · 4.125%
HK$93,149
baseline
▲ 0.50% · 4.625%
HK$98,059
+HK$4,910/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$186,298/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,135
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,312
−HK$3,228/mo
Today · 4.125%
HK$108,540
baseline
▲ 0.50% · 4.625%
HK$115,144
+HK$6,604/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,080/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,624
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,672
−HK$3,091/mo
Today · 4.125%
HK$119,763
baseline
▲ 0.50% · 4.625%
HK$126,076
+HK$6,313/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,526/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,568 · Scale 2, in force from 26 Feb 2026)