LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,887
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,656
−HK$1,798/mo
Today · 4.125%
HK$60,454
baseline
▲ 0.50% · 4.625%
HK$64,133
+HK$3,679/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,908/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,286
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,983
−HK$1,722/mo
Today · 4.125%
HK$66,705
baseline
▲ 0.50% · 4.625%
HK$70,221
+HK$3,516/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,410/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,264
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,388
−HK$2,157/mo
Today · 4.125%
HK$72,545
baseline
▲ 0.50% · 4.625%
HK$76,959
+HK$4,414/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,090/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,943
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,980
−HK$2,066/mo
Today · 4.125%
HK$80,046
baseline
▲ 0.50% · 4.625%
HK$84,265
+HK$4,219/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,092/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,641
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,119
−HK$2,517/mo
Today · 4.125%
HK$84,636
baseline
▲ 0.50% · 4.625%
HK$89,786
+HK$5,150/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,272/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,600
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,977
−HK$2,410/mo
Today · 4.125%
HK$93,387
baseline
▲ 0.50% · 4.625%
HK$98,310
+HK$4,923/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,774/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,396
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$105,581
−HK$3,236/mo
Today · 4.125%
HK$108,817
baseline
▲ 0.50% · 4.625%
HK$115,439
+HK$6,622/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$217,634/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,915
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$116,970
−HK$3,099/mo
Today · 4.125%
HK$120,069
baseline
▲ 0.50% · 4.625%
HK$126,398
+HK$6,329/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$240,138/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,270 · Scale 2, in force from 26 Feb 2026)