LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,614
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,375
−HK$1,789/mo
Today · 4.125%
HK$60,164
baseline
▲ 0.50% · 4.625%
HK$63,825
+HK$3,661/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,328/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,982
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,672
−HK$1,713/mo
Today · 4.125%
HK$66,385
baseline
▲ 0.50% · 4.625%
HK$69,884
+HK$3,499/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,770/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,937
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,050
−HK$2,147/mo
Today · 4.125%
HK$72,197
baseline
▲ 0.50% · 4.625%
HK$76,590
+HK$4,393/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,394/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,579
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,606
−HK$2,056/mo
Today · 4.125%
HK$79,662
baseline
▲ 0.50% · 4.625%
HK$83,861
+HK$4,199/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,324/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,259
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$81,725
−HK$2,505/mo
Today · 4.125%
HK$84,230
baseline
▲ 0.50% · 4.625%
HK$89,355
+HK$5,125/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,460/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,055,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,175
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,540
−HK$2,399/mo
Today · 4.125%
HK$92,939
baseline
▲ 0.50% · 4.625%
HK$97,838
+HK$4,899/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,878/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,055,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,905
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$105,075
−HK$3,220/mo
Today · 4.125%
HK$108,295
baseline
▲ 0.50% · 4.625%
HK$114,885
+HK$6,590/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,590/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,368
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$116,409
−HK$3,084/mo
Today · 4.125%
HK$119,493
baseline
▲ 0.50% · 4.625%
HK$125,792
+HK$6,299/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$238,986/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,185 · Scale 2, in force from 26 Feb 2026)