LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,350
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,103
−HK$1,781/mo
Today · 4.125%
HK$59,884
baseline
▲ 0.50% · 4.625%
HK$63,527
+HK$3,643/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,768/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,689
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,370
−HK$1,706/mo
Today · 4.125%
HK$66,076
baseline
▲ 0.50% · 4.625%
HK$69,559
+HK$3,483/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,152/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,620
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,723
−HK$2,137/mo
Today · 4.125%
HK$71,860
baseline
▲ 0.50% · 4.625%
HK$76,233
+HK$4,373/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$1,050,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,226
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,244
−HK$2,047/mo
Today · 4.125%
HK$79,291
baseline
▲ 0.50% · 4.625%
HK$83,470
+HK$4,179/mo
Deposit HK$9.88M · loan HK$14.83M · min. income ≈ HK$158,582/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,890
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$81,344
−HK$2,493/mo
Today · 4.125%
HK$83,837
baseline
▲ 0.50% · 4.625%
HK$88,938
+HK$5,101/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$167,674/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,764
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,118
−HK$2,388/mo
Today · 4.125%
HK$92,506
baseline
▲ 0.50% · 4.625%
HK$97,382
+HK$4,876/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$185,012/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,430
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$104,585
−HK$3,205/mo
Today · 4.125%
HK$107,790
baseline
▲ 0.50% · 4.625%
HK$114,349
+HK$6,559/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$1,050,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,840
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$115,866
−HK$3,070/mo
Today · 4.125%
HK$118,936
baseline
▲ 0.50% · 4.625%
HK$125,205
+HK$6,269/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,872/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,265 · Scale 2, in force from 26 Feb 2026)