LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,349
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,102
−HK$1,781/mo
Today · 4.125%
HK$59,883
baseline
▲ 0.50% · 4.625%
HK$63,527
+HK$3,644/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,766/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,688
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,370
−HK$1,705/mo
Today · 4.125%
HK$66,075
baseline
▲ 0.50% · 4.625%
HK$69,558
+HK$3,483/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,150/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,619
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,723
−HK$2,137/mo
Today · 4.125%
HK$71,860
baseline
▲ 0.50% · 4.625%
HK$76,232
+HK$4,372/mo
Deposit HK$9.88M · loan HK$14.83M · min. income ≈ HK$143,720/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,226
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,243
−HK$2,047/mo
Today · 4.125%
HK$79,290
baseline
▲ 0.50% · 4.625%
HK$83,470
+HK$4,180/mo
Deposit HK$9.88M · loan HK$14.83M · min. income ≈ HK$158,580/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,889
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$81,343
−HK$2,493/mo
Today · 4.125%
HK$83,836
baseline
▲ 0.50% · 4.625%
HK$88,938
+HK$5,102/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$167,672/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,764
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,117
−HK$2,388/mo
Today · 4.125%
HK$92,505
baseline
▲ 0.50% · 4.625%
HK$97,381
+HK$4,876/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$185,010/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,429
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$104,584
−HK$3,206/mo
Today · 4.125%
HK$107,790
baseline
▲ 0.50% · 4.625%
HK$114,348
+HK$6,558/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,580/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,839
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$115,865
−HK$3,070/mo
Today · 4.125%
HK$118,935
baseline
▲ 0.50% · 4.625%
HK$125,204
+HK$6,269/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,870/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,257 · Scale 2, in force from 26 Feb 2026)