LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,882
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,652
−HK$1,797/mo
Today · 4.125%
HK$60,449
baseline
▲ 0.50% · 4.625%
HK$64,128
+HK$3,679/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,898/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,281
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,978
−HK$1,722/mo
Today · 4.125%
HK$66,700
baseline
▲ 0.50% · 4.625%
HK$70,216
+HK$3,516/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,400/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,259
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,382
−HK$2,157/mo
Today · 4.125%
HK$72,539
baseline
▲ 0.50% · 4.625%
HK$76,953
+HK$4,414/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,078/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,937
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,974
−HK$2,066/mo
Today · 4.125%
HK$80,040
baseline
▲ 0.50% · 4.625%
HK$84,259
+HK$4,219/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,080/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,635
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,112
−HK$2,517/mo
Today · 4.125%
HK$84,629
baseline
▲ 0.50% · 4.625%
HK$89,779
+HK$5,150/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,258/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,593
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,970
−HK$2,410/mo
Today · 4.125%
HK$93,380
baseline
▲ 0.50% · 4.625%
HK$98,302
+HK$4,922/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,760/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,388
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$105,573
−HK$3,236/mo
Today · 4.125%
HK$108,809
baseline
▲ 0.50% · 4.625%
HK$115,430
+HK$6,621/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$217,618/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,060,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,906
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$116,961
−HK$3,099/mo
Today · 4.125%
HK$120,060
baseline
▲ 0.50% · 4.625%
HK$126,388
+HK$6,328/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$240,120/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,060,189 · Scale 2, in force from 26 Feb 2026)