LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,881
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,650
−HK$1,798/mo
Today · 4.125%
HK$60,448
baseline
▲ 0.50% · 4.625%
HK$64,126
+HK$3,678/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,896/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,280
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,977
−HK$1,721/mo
Today · 4.125%
HK$66,698
baseline
▲ 0.50% · 4.625%
HK$70,214
+HK$3,516/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$1,060,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,257
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,380
−HK$2,157/mo
Today · 4.125%
HK$72,537
baseline
▲ 0.50% · 4.625%
HK$76,951
+HK$4,414/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$1,060,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,935
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,972
−HK$2,066/mo
Today · 4.125%
HK$80,038
baseline
▲ 0.50% · 4.625%
HK$84,257
+HK$4,219/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,076/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,633
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,110
−HK$2,517/mo
Today · 4.125%
HK$84,627
baseline
▲ 0.50% · 4.625%
HK$89,776
+HK$5,149/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,254/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,591
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,967
−HK$2,411/mo
Today · 4.125%
HK$93,378
baseline
▲ 0.50% · 4.625%
HK$98,300
+HK$4,922/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,756/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,386
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$105,571
−HK$3,235/mo
Today · 4.125%
HK$108,806
baseline
▲ 0.50% · 4.625%
HK$115,427
+HK$6,621/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$217,612/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,060,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,903
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$116,958
−HK$3,099/mo
Today · 4.125%
HK$120,057
baseline
▲ 0.50% · 4.625%
HK$126,385
+HK$6,328/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$240,114/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,060,162 · Scale 2, in force from 26 Feb 2026)