LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,661
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,424
−HK$1,790/mo
Today · 4.125%
HK$60,214
baseline
▲ 0.50% · 4.625%
HK$63,878
+HK$3,664/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,428/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,035
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,725
−HK$1,716/mo
Today · 4.125%
HK$66,441
baseline
▲ 0.50% · 4.625%
HK$69,943
+HK$3,502/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,882/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,993
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,108
−HK$2,149/mo
Today · 4.125%
HK$72,257
baseline
▲ 0.50% · 4.625%
HK$76,654
+HK$4,397/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,514/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,642
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,671
−HK$2,058/mo
Today · 4.125%
HK$79,729
baseline
▲ 0.50% · 4.625%
HK$83,931
+HK$4,202/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,458/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,326
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$81,793
−HK$2,507/mo
Today · 4.125%
HK$84,300
baseline
▲ 0.50% · 4.625%
HK$89,429
+HK$5,129/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,600/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,249
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$90,616
−HK$2,401/mo
Today · 4.125%
HK$93,017
baseline
▲ 0.50% · 4.625%
HK$97,920
+HK$4,903/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$186,034/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,990
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$105,162
−HK$3,224/mo
Today · 4.125%
HK$108,386
baseline
▲ 0.50% · 4.625%
HK$114,981
+HK$6,595/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,772/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,463
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$116,506
−HK$3,087/mo
Today · 4.125%
HK$119,593
baseline
▲ 0.50% · 4.625%
HK$125,897
+HK$6,304/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,186/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,065 · Scale 2, in force from 26 Feb 2026)