LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,742
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,507
−HK$1,794/mo
Today · 4.125%
HK$60,301
baseline
▲ 0.50% · 4.625%
HK$63,970
+HK$3,669/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,602/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,125
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,818
−HK$1,718/mo
Today · 4.125%
HK$66,536
baseline
▲ 0.50% · 4.625%
HK$70,043
+HK$3,507/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,072/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,091
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,209
−HK$2,152/mo
Today · 4.125%
HK$72,361
baseline
▲ 0.50% · 4.625%
HK$76,764
+HK$4,403/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,722/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,750
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,782
−HK$2,061/mo
Today · 4.125%
HK$79,843
baseline
▲ 0.50% · 4.625%
HK$84,051
+HK$4,208/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,686/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,439
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$81,910
−HK$2,511/mo
Today · 4.125%
HK$84,421
baseline
▲ 0.50% · 4.625%
HK$89,558
+HK$5,137/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$168,842/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,375
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,746
−HK$2,404/mo
Today · 4.125%
HK$93,150
baseline
▲ 0.50% · 4.625%
HK$98,060
+HK$4,910/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$186,300/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,136
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,313
−HK$3,228/mo
Today · 4.125%
HK$108,541
baseline
▲ 0.50% · 4.625%
HK$115,145
+HK$6,604/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,082/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,625
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,673
−HK$3,091/mo
Today · 4.125%
HK$119,764
baseline
▲ 0.50% · 4.625%
HK$126,077
+HK$6,313/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,528/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,578 · Scale 2, in force from 26 Feb 2026)