LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,348
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,101
−HK$1,781/mo
Today · 4.125%
HK$59,882
baseline
▲ 0.50% · 4.625%
HK$63,526
+HK$3,644/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,764/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,687
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,368
−HK$1,706/mo
Today · 4.125%
HK$66,074
baseline
▲ 0.50% · 4.625%
HK$69,557
+HK$3,483/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,148/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,618
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,721
−HK$2,137/mo
Today · 4.125%
HK$71,858
baseline
▲ 0.50% · 4.625%
HK$76,231
+HK$4,373/mo
Deposit HK$9.88M · loan HK$14.83M · min. income ≈ HK$143,716/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,050,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,224
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,242
−HK$2,046/mo
Today · 4.125%
HK$79,288
baseline
▲ 0.50% · 4.625%
HK$83,468
+HK$4,180/mo
Deposit HK$9.88M · loan HK$14.83M · min. income ≈ HK$158,576/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,050,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,888
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$81,342
−HK$2,493/mo
Today · 4.125%
HK$83,835
baseline
▲ 0.50% · 4.625%
HK$88,936
+HK$5,101/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$167,670/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,762
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,115
−HK$2,388/mo
Today · 4.125%
HK$92,503
baseline
▲ 0.50% · 4.625%
HK$97,379
+HK$4,876/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$185,006/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,427
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$104,582
−HK$3,205/mo
Today · 4.125%
HK$107,787
baseline
▲ 0.50% · 4.625%
HK$114,346
+HK$6,559/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,574/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,837
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$115,863
−HK$3,070/mo
Today · 4.125%
HK$118,933
baseline
▲ 0.50% · 4.625%
HK$125,202
+HK$6,269/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,866/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,235 · Scale 2, in force from 26 Feb 2026)