LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,626
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,387
−HK$1,789/mo
Today · 4.125%
HK$60,176
baseline
▲ 0.50% · 4.625%
HK$63,838
+HK$3,662/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,352/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,995
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,685
−HK$1,714/mo
Today · 4.125%
HK$66,399
baseline
▲ 0.50% · 4.625%
HK$69,899
+HK$3,500/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,798/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,951
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,064
−HK$2,148/mo
Today · 4.125%
HK$72,212
baseline
▲ 0.50% · 4.625%
HK$76,606
+HK$4,394/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,424/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,594
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,622
−HK$2,057/mo
Today · 4.125%
HK$79,679
baseline
▲ 0.50% · 4.625%
HK$83,879
+HK$4,200/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,358/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,276
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$81,742
−HK$2,505/mo
Today · 4.125%
HK$84,247
baseline
▲ 0.50% · 4.625%
HK$89,373
+HK$5,126/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,494/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,194
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,559
−HK$2,399/mo
Today · 4.125%
HK$92,958
baseline
▲ 0.50% · 4.625%
HK$97,858
+HK$4,900/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,916/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,926
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$105,097
−HK$3,221/mo
Today · 4.125%
HK$108,318
baseline
▲ 0.50% · 4.625%
HK$114,909
+HK$6,591/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,636/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,392
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$116,433
−HK$3,085/mo
Today · 4.125%
HK$119,518
baseline
▲ 0.50% · 4.625%
HK$125,818
+HK$6,300/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$239,036/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,402 · Scale 2, in force from 26 Feb 2026)