LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,310
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,062
−HK$1,780/mo
Today · 4.125%
HK$59,842
baseline
▲ 0.50% · 4.625%
HK$63,483
+HK$3,641/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,684/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,645
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,325
−HK$1,704/mo
Today · 4.125%
HK$66,029
baseline
▲ 0.50% · 4.625%
HK$69,510
+HK$3,481/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,058/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,573
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,674
−HK$2,136/mo
Today · 4.125%
HK$71,810
baseline
▲ 0.50% · 4.625%
HK$76,179
+HK$4,369/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,620/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,174
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,190
−HK$2,045/mo
Today · 4.125%
HK$79,235
baseline
▲ 0.50% · 4.625%
HK$83,412
+HK$4,177/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,470/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,835
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,287
−HK$2,491/mo
Today · 4.125%
HK$83,778
baseline
▲ 0.50% · 4.625%
HK$88,876
+HK$5,098/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,556/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,703
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,055
−HK$2,386/mo
Today · 4.125%
HK$92,441
baseline
▲ 0.50% · 4.625%
HK$97,314
+HK$4,873/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,882/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,359
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$104,512
−HK$3,203/mo
Today · 4.125%
HK$107,715
baseline
▲ 0.50% · 4.625%
HK$114,269
+HK$6,554/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$215,430/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,761
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$115,785
−HK$3,068/mo
Today · 4.125%
HK$118,853
baseline
▲ 0.50% · 4.625%
HK$125,118
+HK$6,265/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$237,706/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,529 · Scale 2, in force from 26 Feb 2026)