LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,880
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,650
−HK$1,797/mo
Today · 4.125%
HK$60,447
baseline
▲ 0.50% · 4.625%
HK$64,125
+HK$3,678/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,894/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,279
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,976
−HK$1,722/mo
Today · 4.125%
HK$66,698
baseline
▲ 0.50% · 4.625%
HK$70,213
+HK$3,515/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,396/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,256
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,380
−HK$2,157/mo
Today · 4.125%
HK$72,537
baseline
▲ 0.50% · 4.625%
HK$76,950
+HK$4,413/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,074/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,935
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,971
−HK$2,066/mo
Today · 4.125%
HK$80,037
baseline
▲ 0.50% · 4.625%
HK$84,256
+HK$4,219/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,074/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,632
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,109
−HK$2,517/mo
Today · 4.125%
HK$84,626
baseline
▲ 0.50% · 4.625%
HK$89,775
+HK$5,149/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,252/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,590
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,966
−HK$2,411/mo
Today · 4.125%
HK$93,377
baseline
▲ 0.50% · 4.625%
HK$98,299
+HK$4,922/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,754/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,385
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$105,569
−HK$3,236/mo
Today · 4.125%
HK$108,805
baseline
▲ 0.50% · 4.625%
HK$115,425
+HK$6,620/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$217,610/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,060,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,902
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$116,957
−HK$3,099/mo
Today · 4.125%
HK$120,056
baseline
▲ 0.50% · 4.625%
HK$126,384
+HK$6,328/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$240,112/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,060,150 · Scale 2, in force from 26 Feb 2026)