LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,615
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,376
−HK$1,789/mo
Today · 4.125%
HK$60,165
baseline
▲ 0.50% · 4.625%
HK$63,826
+HK$3,661/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,330/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,984
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,673
−HK$1,713/mo
Today · 4.125%
HK$66,386
baseline
▲ 0.50% · 4.625%
HK$69,886
+HK$3,500/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,772/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,938
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,051
−HK$2,147/mo
Today · 4.125%
HK$72,198
baseline
▲ 0.50% · 4.625%
HK$76,591
+HK$4,393/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,396/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,580
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,607
−HK$2,057/mo
Today · 4.125%
HK$79,664
baseline
▲ 0.50% · 4.625%
HK$83,863
+HK$4,199/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,328/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,261
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,726
−HK$2,505/mo
Today · 4.125%
HK$84,231
baseline
▲ 0.50% · 4.625%
HK$89,357
+HK$5,126/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,462/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,055,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,177
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,542
−HK$2,399/mo
Today · 4.125%
HK$92,941
baseline
▲ 0.50% · 4.625%
HK$97,840
+HK$4,899/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,882/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,055,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,907
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$105,077
−HK$3,220/mo
Today · 4.125%
HK$108,297
baseline
▲ 0.50% · 4.625%
HK$114,887
+HK$6,590/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,594/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,371
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$116,411
−HK$3,085/mo
Today · 4.125%
HK$119,496
baseline
▲ 0.50% · 4.625%
HK$125,794
+HK$6,298/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$238,992/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,205 · Scale 2, in force from 26 Feb 2026)