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$63,528
+HK$3,644/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$1,050,273 · 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$1,050,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,620
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,724
−HK$2,137/mo
Today · 4.125%
HK$71,861
baseline
▲ 0.50% · 4.625%
HK$76,233
+HK$4,372/mo
Deposit HK$9.88M · loan HK$14.83M · min. income ≈ HK$143,722/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,227
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,245
−HK$2,046/mo
Today · 4.125%
HK$79,291
baseline
▲ 0.50% · 4.625%
HK$83,471
+HK$4,180/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$1,050,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,890
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,344
−HK$2,494/mo
Today · 4.125%
HK$83,838
baseline
▲ 0.50% · 4.625%
HK$88,939
+HK$5,101/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$167,676/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,765
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,119
−HK$2,388/mo
Today · 4.125%
HK$92,507
baseline
▲ 0.50% · 4.625%
HK$97,383
+HK$4,876/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$185,014/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,431
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$104,586
−HK$3,205/mo
Today · 4.125%
HK$107,791
baseline
▲ 0.50% · 4.625%
HK$114,350
+HK$6,559/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,582/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,841
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$115,867
−HK$3,070/mo
Today · 4.125%
HK$118,937
baseline
▲ 0.50% · 4.625%
HK$125,206
+HK$6,269/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,874/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,273 · Scale 2, in force from 26 Feb 2026)