LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,632
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,394
−HK$1,789/mo
Today · 4.125%
HK$60,183
baseline
▲ 0.50% · 4.625%
HK$63,846
+HK$3,663/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,366/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,003
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,692
−HK$1,715/mo
Today · 4.125%
HK$66,407
baseline
▲ 0.50% · 4.625%
HK$69,907
+HK$3,500/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,814/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,959
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,072
−HK$2,148/mo
Today · 4.125%
HK$72,220
baseline
▲ 0.50% · 4.625%
HK$76,615
+HK$4,395/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,440/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,603
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,631
−HK$2,057/mo
Today · 4.125%
HK$79,688
baseline
▲ 0.50% · 4.625%
HK$83,888
+HK$4,200/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,376/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,285
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,751
−HK$2,506/mo
Today · 4.125%
HK$84,257
baseline
▲ 0.50% · 4.625%
HK$89,384
+HK$5,127/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,514/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,204
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$90,569
−HK$2,400/mo
Today · 4.125%
HK$92,969
baseline
▲ 0.50% · 4.625%
HK$97,870
+HK$4,901/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,938/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,938
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$105,109
−HK$3,221/mo
Today · 4.125%
HK$108,330
baseline
▲ 0.50% · 4.625%
HK$114,922
+HK$6,592/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,660/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,405
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,446
−HK$3,086/mo
Today · 4.125%
HK$119,532
baseline
▲ 0.50% · 4.625%
HK$125,832
+HK$6,300/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$239,064/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,525 · Scale 2, in force from 26 Feb 2026)