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$63,516
+HK$3,644/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$1,050,069 · 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$69,546
+HK$3,483/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$1,050,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,607
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,710
−HK$2,137/mo
Today · 4.125%
HK$71,847
baseline
▲ 0.50% · 4.625%
HK$76,219
+HK$4,372/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,694/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,050,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,212
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,230
−HK$2,046/mo
Today · 4.125%
HK$79,276
baseline
▲ 0.50% · 4.625%
HK$83,455
+HK$4,179/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,552/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,050,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,875
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$81,329
−HK$2,492/mo
Today · 4.125%
HK$83,821
baseline
▲ 0.50% · 4.625%
HK$88,922
+HK$5,101/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$1,050,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,748
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,101
−HK$2,388/mo
Today · 4.125%
HK$92,489
baseline
▲ 0.50% · 4.625%
HK$97,364
+HK$4,875/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$184,978/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,411
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$104,565
−HK$3,205/mo
Today · 4.125%
HK$107,770
baseline
▲ 0.50% · 4.625%
HK$114,328
+HK$6,558/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$1,050,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,819
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$115,844
−HK$3,070/mo
Today · 4.125%
HK$118,914
baseline
▲ 0.50% · 4.625%
HK$125,182
+HK$6,268/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,828/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,069 · Scale 2, in force from 26 Feb 2026)