LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,654
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,416
−HK$1,791/mo
Today · 4.125%
HK$60,207
baseline
▲ 0.50% · 4.625%
HK$63,870
+HK$3,663/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,414/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,027
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,717
−HK$1,715/mo
Today · 4.125%
HK$66,432
baseline
▲ 0.50% · 4.625%
HK$69,934
+HK$3,502/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,864/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,985
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,100
−HK$2,148/mo
Today · 4.125%
HK$72,248
baseline
▲ 0.50% · 4.625%
HK$76,644
+HK$4,396/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,496/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,632
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,661
−HK$2,058/mo
Today · 4.125%
HK$79,719
baseline
▲ 0.50% · 4.625%
HK$83,921
+HK$4,202/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,438/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,316
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,783
−HK$2,506/mo
Today · 4.125%
HK$84,289
baseline
▲ 0.50% · 4.625%
HK$89,418
+HK$5,129/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,578/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,238
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,604
−HK$2,401/mo
Today · 4.125%
HK$93,005
baseline
▲ 0.50% · 4.625%
HK$97,907
+HK$4,902/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$186,010/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,977
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$105,149
−HK$3,223/mo
Today · 4.125%
HK$108,372
baseline
▲ 0.50% · 4.625%
HK$114,966
+HK$6,594/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,744/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,449
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$116,491
−HK$3,087/mo
Today · 4.125%
HK$119,578
baseline
▲ 0.50% · 4.625%
HK$125,881
+HK$6,303/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,156/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,933 · Scale 2, in force from 26 Feb 2026)