LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,682
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,445
−HK$1,791/mo
Today · 4.125%
HK$60,236
baseline
▲ 0.50% · 4.625%
HK$63,902
+HK$3,666/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,472/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,058
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,749
−HK$1,716/mo
Today · 4.125%
HK$66,465
baseline
▲ 0.50% · 4.625%
HK$69,968
+HK$3,503/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,930/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,018
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$70,134
−HK$2,150/mo
Today · 4.125%
HK$72,284
baseline
▲ 0.50% · 4.625%
HK$76,682
+HK$4,398/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,568/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,670
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,699
−HK$2,059/mo
Today · 4.125%
HK$79,758
baseline
▲ 0.50% · 4.625%
HK$83,962
+HK$4,204/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,516/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,355
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$81,823
−HK$2,508/mo
Today · 4.125%
HK$84,331
baseline
▲ 0.50% · 4.625%
HK$89,462
+HK$5,131/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,662/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,281
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$90,649
−HK$2,402/mo
Today · 4.125%
HK$93,051
baseline
▲ 0.50% · 4.625%
HK$97,956
+HK$4,905/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,102/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,028
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$105,201
−HK$3,225/mo
Today · 4.125%
HK$108,426
baseline
▲ 0.50% · 4.625%
HK$115,023
+HK$6,597/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$216,852/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,505
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$116,549
−HK$3,088/mo
Today · 4.125%
HK$119,637
baseline
▲ 0.50% · 4.625%
HK$125,943
+HK$6,306/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$239,274/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,453 · Scale 2, in force from 26 Feb 2026)