LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,460
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,216
−HK$1,784/mo
Today · 4.125%
HK$60,000
baseline
▲ 0.50% · 4.625%
HK$63,651
+HK$3,651/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$120,000/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,811
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,495
−HK$1,709/mo
Today · 4.125%
HK$66,204
baseline
▲ 0.50% · 4.625%
HK$69,694
+HK$3,490/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,408/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,752
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,859
−HK$2,141/mo
Today · 4.125%
HK$72,000
baseline
▲ 0.50% · 4.625%
HK$76,381
+HK$4,381/mo
Deposit HK$9.90M · loan HK$14.86M · min. income ≈ HK$144,000/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,373
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,394
−HK$2,051/mo
Today · 4.125%
HK$79,445
baseline
▲ 0.50% · 4.625%
HK$83,633
+HK$4,188/mo
Deposit HK$9.90M · loan HK$14.86M · min. income ≈ HK$158,890/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,044
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,502
−HK$2,498/mo
Today · 4.125%
HK$84,000
baseline
▲ 0.50% · 4.625%
HK$89,111
+HK$5,111/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$168,000/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,935
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,293
−HK$2,393/mo
Today · 4.125%
HK$92,686
baseline
▲ 0.50% · 4.625%
HK$97,572
+HK$4,886/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$185,372/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,627
−HK$6,373/mo
▼ 0.25% · 3.875%
HK$104,789
−HK$3,211/mo
Today · 4.125%
HK$108,000
baseline
▲ 0.50% · 4.625%
HK$114,572
+HK$6,572/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$216,000/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,059
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$116,092
−HK$3,076/mo
Today · 4.125%
HK$119,168
baseline
▲ 0.50% · 4.625%
HK$125,449
+HK$6,281/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$238,336/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,310 · Scale 2, in force from 26 Feb 2026)