LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,744
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,509
−HK$1,793/mo
Today · 4.125%
HK$60,302
baseline
▲ 0.50% · 4.625%
HK$63,971
+HK$3,669/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,604/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,127
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,820
−HK$1,717/mo
Today · 4.125%
HK$66,537
baseline
▲ 0.50% · 4.625%
HK$70,044
+HK$3,507/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,074/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,092
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,210
−HK$2,152/mo
Today · 4.125%
HK$72,362
baseline
▲ 0.50% · 4.625%
HK$76,765
+HK$4,403/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,724/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,752
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,784
−HK$2,061/mo
Today · 4.125%
HK$79,845
baseline
▲ 0.50% · 4.625%
HK$84,053
+HK$4,208/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,690/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,441
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$81,912
−HK$2,511/mo
Today · 4.125%
HK$84,423
baseline
▲ 0.50% · 4.625%
HK$89,559
+HK$5,136/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$168,846/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,377
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,747
−HK$2,405/mo
Today · 4.125%
HK$93,152
baseline
▲ 0.50% · 4.625%
HK$98,062
+HK$4,910/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$186,304/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,138
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,315
−HK$3,228/mo
Today · 4.125%
HK$108,543
baseline
▲ 0.50% · 4.625%
HK$115,148
+HK$6,605/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,086/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,628
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,675
−HK$3,092/mo
Today · 4.125%
HK$119,767
baseline
▲ 0.50% · 4.625%
HK$126,080
+HK$6,313/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,534/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,601 · Scale 2, in force from 26 Feb 2026)