LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,753
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,518
−HK$1,794/mo
Today · 4.125%
HK$60,312
baseline
▲ 0.50% · 4.625%
HK$63,982
+HK$3,670/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,624/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,137
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,830
−HK$1,718/mo
Today · 4.125%
HK$66,548
baseline
▲ 0.50% · 4.625%
HK$70,056
+HK$3,508/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,096/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,103
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,222
−HK$2,152/mo
Today · 4.125%
HK$72,374
baseline
▲ 0.50% · 4.625%
HK$76,778
+HK$4,404/mo
Deposit HK$9.96M · loan HK$14.93M · min. income ≈ HK$144,748/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,764
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,796
−HK$2,062/mo
Today · 4.125%
HK$79,858
baseline
▲ 0.50% · 4.625%
HK$84,067
+HK$4,209/mo
Deposit HK$9.96M · loan HK$14.93M · min. income ≈ HK$159,716/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,454
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$81,925
−HK$2,511/mo
Today · 4.125%
HK$84,436
baseline
▲ 0.50% · 4.625%
HK$89,574
+HK$5,138/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$168,872/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,392
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,762
−HK$2,405/mo
Today · 4.125%
HK$93,167
baseline
▲ 0.50% · 4.625%
HK$98,078
+HK$4,911/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$186,334/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,155
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$105,333
−HK$3,228/mo
Today · 4.125%
HK$108,561
baseline
▲ 0.50% · 4.625%
HK$115,167
+HK$6,606/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,122/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,647
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,694
−HK$3,092/mo
Today · 4.125%
HK$119,786
baseline
▲ 0.50% · 4.625%
HK$126,101
+HK$6,315/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,572/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,774 · Scale 2, in force from 26 Feb 2026)