LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,891
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,661
−HK$1,798/mo
Today · 4.125%
HK$60,459
baseline
▲ 0.50% · 4.625%
HK$64,137
+HK$3,678/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,918/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,291
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,988
−HK$1,722/mo
Today · 4.125%
HK$66,710
baseline
▲ 0.50% · 4.625%
HK$70,227
+HK$3,517/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,420/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,269
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,393
−HK$2,157/mo
Today · 4.125%
HK$72,550
baseline
▲ 0.50% · 4.625%
HK$76,965
+HK$4,415/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,100/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,949
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,986
−HK$2,066/mo
Today · 4.125%
HK$80,052
baseline
▲ 0.50% · 4.625%
HK$84,272
+HK$4,220/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,104/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,648
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,125
−HK$2,517/mo
Today · 4.125%
HK$84,642
baseline
▲ 0.50% · 4.625%
HK$89,792
+HK$5,150/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,284/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,607
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,983
−HK$2,411/mo
Today · 4.125%
HK$93,394
baseline
▲ 0.50% · 4.625%
HK$98,317
+HK$4,923/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,788/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,404
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$105,589
−HK$3,237/mo
Today · 4.125%
HK$108,826
baseline
▲ 0.50% · 4.625%
HK$115,447
+HK$6,621/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$217,652/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,923
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,979
−HK$3,099/mo
Today · 4.125%
HK$120,078
baseline
▲ 0.50% · 4.625%
HK$126,408
+HK$6,330/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$240,156/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,351 · Scale 2, in force from 26 Feb 2026)