LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,616
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,377
−HK$1,789/mo
Today · 4.125%
HK$60,166
baseline
▲ 0.50% · 4.625%
HK$63,827
+HK$3,661/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,332/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,985
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,674
−HK$1,713/mo
Today · 4.125%
HK$66,387
baseline
▲ 0.50% · 4.625%
HK$69,887
+HK$3,500/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,774/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,939
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,052
−HK$2,147/mo
Today · 4.125%
HK$72,199
baseline
▲ 0.50% · 4.625%
HK$76,593
+HK$4,394/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,398/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,582
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,609
−HK$2,056/mo
Today · 4.125%
HK$79,665
baseline
▲ 0.50% · 4.625%
HK$83,864
+HK$4,199/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,330/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,262
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$81,728
−HK$2,505/mo
Today · 4.125%
HK$84,233
baseline
▲ 0.50% · 4.625%
HK$89,358
+HK$5,125/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,466/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,055,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,178
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,543
−HK$2,399/mo
Today · 4.125%
HK$92,942
baseline
▲ 0.50% · 4.625%
HK$97,842
+HK$4,900/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,884/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,055,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,909
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$105,079
−HK$3,220/mo
Today · 4.125%
HK$108,299
baseline
▲ 0.50% · 4.625%
HK$114,889
+HK$6,590/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,598/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,372
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$116,413
−HK$3,084/mo
Today · 4.125%
HK$119,497
baseline
▲ 0.50% · 4.625%
HK$125,796
+HK$6,299/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$238,994/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,222 · Scale 2, in force from 26 Feb 2026)