LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,887
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,657
−HK$1,798/mo
Today · 4.125%
HK$60,455
baseline
▲ 0.50% · 4.625%
HK$64,133
+HK$3,678/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,910/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,287
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,984
−HK$1,722/mo
Today · 4.125%
HK$66,706
baseline
▲ 0.50% · 4.625%
HK$70,222
+HK$3,516/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,412/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,265
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,388
−HK$2,158/mo
Today · 4.125%
HK$72,546
baseline
▲ 0.50% · 4.625%
HK$76,960
+HK$4,414/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,092/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,944
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,981
−HK$2,066/mo
Today · 4.125%
HK$80,047
baseline
▲ 0.50% · 4.625%
HK$84,267
+HK$4,220/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,094/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,642
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,120
−HK$2,517/mo
Today · 4.125%
HK$84,637
baseline
▲ 0.50% · 4.625%
HK$89,787
+HK$5,150/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,274/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,601
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,978
−HK$2,410/mo
Today · 4.125%
HK$93,388
baseline
▲ 0.50% · 4.625%
HK$98,311
+HK$4,923/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,776/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,397
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$105,583
−HK$3,236/mo
Today · 4.125%
HK$108,819
baseline
▲ 0.50% · 4.625%
HK$115,440
+HK$6,621/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$217,638/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,916
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,971
−HK$3,100/mo
Today · 4.125%
HK$120,071
baseline
▲ 0.50% · 4.625%
HK$126,400
+HK$6,329/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$240,142/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,284 · Scale 2, in force from 26 Feb 2026)