LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,639
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,401
−HK$1,790/mo
Today · 4.125%
HK$60,191
baseline
▲ 0.50% · 4.625%
HK$63,854
+HK$3,663/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,382/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,011
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,701
−HK$1,714/mo
Today · 4.125%
HK$66,415
baseline
▲ 0.50% · 4.625%
HK$69,916
+HK$3,501/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,830/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,967
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,081
−HK$2,148/mo
Today · 4.125%
HK$72,229
baseline
▲ 0.50% · 4.625%
HK$76,624
+HK$4,395/mo
Deposit HK$9.94M · loan HK$14.90M · min. income ≈ HK$144,458/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,613
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,641
−HK$2,057/mo
Today · 4.125%
HK$79,698
baseline
▲ 0.50% · 4.625%
HK$83,899
+HK$4,201/mo
Deposit HK$9.94M · loan HK$14.90M · min. income ≈ HK$159,396/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,295
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,762
−HK$2,506/mo
Today · 4.125%
HK$84,268
baseline
▲ 0.50% · 4.625%
HK$89,395
+HK$5,127/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,536/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,215
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,581
−HK$2,400/mo
Today · 4.125%
HK$92,981
baseline
▲ 0.50% · 4.625%
HK$97,882
+HK$4,901/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,962/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,951
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,122
−HK$3,222/mo
Today · 4.125%
HK$108,344
baseline
▲ 0.50% · 4.625%
HK$114,937
+HK$6,593/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,688/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,419
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$116,461
−HK$3,086/mo
Today · 4.125%
HK$119,547
baseline
▲ 0.50% · 4.625%
HK$125,849
+HK$6,302/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,094/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,661 · Scale 2, in force from 26 Feb 2026)