LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,747
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,512
−HK$1,793/mo
Today · 4.125%
HK$60,305
baseline
▲ 0.50% · 4.625%
HK$63,975
+HK$3,670/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,610/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,130
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,823
−HK$1,718/mo
Today · 4.125%
HK$66,541
baseline
▲ 0.50% · 4.625%
HK$70,048
+HK$3,507/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,082/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,096
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,214
−HK$2,152/mo
Today · 4.125%
HK$72,366
baseline
▲ 0.50% · 4.625%
HK$76,769
+HK$4,403/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,732/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,756
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,788
−HK$2,061/mo
Today · 4.125%
HK$79,849
baseline
▲ 0.50% · 4.625%
HK$84,058
+HK$4,209/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,698/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,445
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$81,916
−HK$2,511/mo
Today · 4.125%
HK$84,427
baseline
▲ 0.50% · 4.625%
HK$89,564
+HK$5,137/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$168,854/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,382
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,752
−HK$2,405/mo
Today · 4.125%
HK$93,157
baseline
▲ 0.50% · 4.625%
HK$98,067
+HK$4,910/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$186,314/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,144
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,321
−HK$3,228/mo
Today · 4.125%
HK$108,549
baseline
▲ 0.50% · 4.625%
HK$115,154
+HK$6,605/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,098/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,634
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,682
−HK$3,091/mo
Today · 4.125%
HK$119,773
baseline
▲ 0.50% · 4.625%
HK$126,087
+HK$6,314/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,546/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,658 · Scale 2, in force from 26 Feb 2026)