LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,635
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,397
−HK$1,789/mo
Today · 4.125%
HK$60,186
baseline
▲ 0.50% · 4.625%
HK$63,849
+HK$3,663/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,372/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,006
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,695
−HK$1,715/mo
Today · 4.125%
HK$66,410
baseline
▲ 0.50% · 4.625%
HK$69,910
+HK$3,500/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,820/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,962
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,076
−HK$2,148/mo
Today · 4.125%
HK$72,224
baseline
▲ 0.50% · 4.625%
HK$76,618
+HK$4,394/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,448/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,607
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,635
−HK$2,057/mo
Today · 4.125%
HK$79,692
baseline
▲ 0.50% · 4.625%
HK$83,892
+HK$4,200/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,384/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,289
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,755
−HK$2,506/mo
Today · 4.125%
HK$84,261
baseline
▲ 0.50% · 4.625%
HK$89,388
+HK$5,127/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,522/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,208
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,574
−HK$2,400/mo
Today · 4.125%
HK$92,974
baseline
▲ 0.50% · 4.625%
HK$97,874
+HK$4,900/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,948/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,943
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$105,114
−HK$3,221/mo
Today · 4.125%
HK$108,335
baseline
▲ 0.50% · 4.625%
HK$114,927
+HK$6,592/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,670/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,410
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,452
−HK$3,085/mo
Today · 4.125%
HK$119,537
baseline
▲ 0.50% · 4.625%
HK$125,838
+HK$6,301/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$239,074/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,575 · Scale 2, in force from 26 Feb 2026)