LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,670
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,433
−HK$1,791/mo
Today · 4.125%
HK$60,224
baseline
▲ 0.50% · 4.625%
HK$63,888
+HK$3,664/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,448/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,045
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,736
−HK$1,715/mo
Today · 4.125%
HK$66,451
baseline
▲ 0.50% · 4.625%
HK$69,954
+HK$3,503/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,902/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,004
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,119
−HK$2,149/mo
Today · 4.125%
HK$72,268
baseline
▲ 0.50% · 4.625%
HK$76,666
+HK$4,398/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,536/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,654
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,683
−HK$2,058/mo
Today · 4.125%
HK$79,741
baseline
▲ 0.50% · 4.625%
HK$83,944
+HK$4,203/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,482/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,338
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,806
−HK$2,507/mo
Today · 4.125%
HK$84,313
baseline
▲ 0.50% · 4.625%
HK$89,443
+HK$5,130/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,626/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,263
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$90,630
−HK$2,401/mo
Today · 4.125%
HK$93,031
baseline
▲ 0.50% · 4.625%
HK$97,935
+HK$4,904/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,062/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,006
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$105,179
−HK$3,224/mo
Today · 4.125%
HK$108,403
baseline
▲ 0.50% · 4.625%
HK$114,999
+HK$6,596/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$216,806/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,481
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$116,524
−HK$3,088/mo
Today · 4.125%
HK$119,612
baseline
▲ 0.50% · 4.625%
HK$125,916
+HK$6,304/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$239,224/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,229 · Scale 2, in force from 26 Feb 2026)