LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,878
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,647
−HK$1,797/mo
Today · 4.125%
HK$60,444
baseline
▲ 0.50% · 4.625%
HK$64,122
+HK$3,678/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,888/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,276
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,973
−HK$1,721/mo
Today · 4.125%
HK$66,694
baseline
▲ 0.50% · 4.625%
HK$70,210
+HK$3,516/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,388/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,253
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,376
−HK$2,157/mo
Today · 4.125%
HK$72,533
baseline
▲ 0.50% · 4.625%
HK$76,947
+HK$4,414/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,066/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,931
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,967
−HK$2,066/mo
Today · 4.125%
HK$80,033
baseline
▲ 0.50% · 4.625%
HK$84,252
+HK$4,219/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,066/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,629
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$82,106
−HK$2,516/mo
Today · 4.125%
HK$84,622
baseline
▲ 0.50% · 4.625%
HK$89,771
+HK$5,149/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,244/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,586
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$90,962
−HK$2,410/mo
Today · 4.125%
HK$93,372
baseline
▲ 0.50% · 4.625%
HK$98,294
+HK$4,922/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,744/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,380
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$105,564
−HK$3,236/mo
Today · 4.125%
HK$108,800
baseline
▲ 0.50% · 4.625%
HK$115,420
+HK$6,620/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$217,600/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,060,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,896
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$116,951
−HK$3,099/mo
Today · 4.125%
HK$120,050
baseline
▲ 0.50% · 4.625%
HK$126,378
+HK$6,328/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$240,100/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,060,100 · Scale 2, in force from 26 Feb 2026)