LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,339
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,092
−HK$1,780/mo
Today · 4.125%
HK$59,872
baseline
▲ 0.50% · 4.625%
HK$63,515
+HK$3,643/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,744/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,050,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,677
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,358
−HK$1,705/mo
Today · 4.125%
HK$66,063
baseline
▲ 0.50% · 4.625%
HK$69,545
+HK$3,482/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,126/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,050,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,607
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,710
−HK$2,136/mo
Today · 4.125%
HK$71,846
baseline
▲ 0.50% · 4.625%
HK$76,218
+HK$4,372/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,692/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,050,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,212
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,229
−HK$2,046/mo
Today · 4.125%
HK$79,275
baseline
▲ 0.50% · 4.625%
HK$83,454
+HK$4,179/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,550/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,050,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,875
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$81,328
−HK$2,493/mo
Today · 4.125%
HK$83,821
baseline
▲ 0.50% · 4.625%
HK$88,921
+HK$5,100/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$167,642/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,747
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,101
−HK$2,387/mo
Today · 4.125%
HK$92,488
baseline
▲ 0.50% · 4.625%
HK$97,363
+HK$4,875/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$184,976/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,410
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$104,565
−HK$3,205/mo
Today · 4.125%
HK$107,770
baseline
▲ 0.50% · 4.625%
HK$114,327
+HK$6,557/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,540/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,818
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$115,844
−HK$3,069/mo
Today · 4.125%
HK$118,913
baseline
▲ 0.50% · 4.625%
HK$125,181
+HK$6,268/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,826/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,062 · Scale 2, in force from 26 Feb 2026)