LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,340
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,093
−HK$1,780/mo
Today · 4.125%
HK$59,873
baseline
▲ 0.50% · 4.625%
HK$63,517
+HK$3,644/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,746/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,050,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,678
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,359
−HK$1,705/mo
Today · 4.125%
HK$66,064
baseline
▲ 0.50% · 4.625%
HK$69,547
+HK$3,483/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,128/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,050,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,608
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,711
−HK$2,137/mo
Today · 4.125%
HK$71,848
baseline
▲ 0.50% · 4.625%
HK$76,220
+HK$4,372/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,696/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,050,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,214
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,231
−HK$2,046/mo
Today · 4.125%
HK$79,277
baseline
▲ 0.50% · 4.625%
HK$83,456
+HK$4,179/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,554/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,050,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,876
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$81,330
−HK$2,493/mo
Today · 4.125%
HK$83,823
baseline
▲ 0.50% · 4.625%
HK$88,923
+HK$5,100/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$167,646/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,749
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,103
−HK$2,387/mo
Today · 4.125%
HK$92,490
baseline
▲ 0.50% · 4.625%
HK$97,365
+HK$4,875/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$184,980/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,413
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$104,567
−HK$3,205/mo
Today · 4.125%
HK$107,772
baseline
▲ 0.50% · 4.625%
HK$114,330
+HK$6,558/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,544/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,821
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$115,846
−HK$3,070/mo
Today · 4.125%
HK$118,916
baseline
▲ 0.50% · 4.625%
HK$125,184
+HK$6,268/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,832/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,086 · Scale 2, in force from 26 Feb 2026)