LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,610
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,371
−HK$1,789/mo
Today · 4.125%
HK$60,160
baseline
▲ 0.50% · 4.625%
HK$63,821
+HK$3,661/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,320/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,978
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,667
−HK$1,714/mo
Today · 4.125%
HK$66,381
baseline
▲ 0.50% · 4.625%
HK$69,880
+HK$3,499/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,762/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,932
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,045
−HK$2,147/mo
Today · 4.125%
HK$72,192
baseline
▲ 0.50% · 4.625%
HK$76,585
+HK$4,393/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,384/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,574
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,601
−HK$2,056/mo
Today · 4.125%
HK$79,657
baseline
▲ 0.50% · 4.625%
HK$83,856
+HK$4,199/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,314/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,254
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,720
−HK$2,504/mo
Today · 4.125%
HK$84,224
baseline
▲ 0.50% · 4.625%
HK$89,349
+HK$5,125/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,448/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,055,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,170
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$90,534
−HK$2,399/mo
Today · 4.125%
HK$92,933
baseline
▲ 0.50% · 4.625%
HK$97,832
+HK$4,899/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,866/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,055,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,898
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$105,068
−HK$3,220/mo
Today · 4.125%
HK$108,288
baseline
▲ 0.50% · 4.625%
HK$114,878
+HK$6,590/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$216,576/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,361
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$116,401
−HK$3,085/mo
Today · 4.125%
HK$119,486
baseline
▲ 0.50% · 4.625%
HK$125,784
+HK$6,298/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$238,972/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,117 · Scale 2, in force from 26 Feb 2026)