LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,352
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,105
−HK$1,781/mo
Today · 4.125%
HK$59,886
baseline
▲ 0.50% · 4.625%
HK$63,530
+HK$3,644/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,772/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,691
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,373
−HK$1,705/mo
Today · 4.125%
HK$66,078
baseline
▲ 0.50% · 4.625%
HK$69,561
+HK$3,483/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,156/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,623
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,726
−HK$2,137/mo
Today · 4.125%
HK$71,863
baseline
▲ 0.50% · 4.625%
HK$76,236
+HK$4,373/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,726/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,230
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,247
−HK$2,047/mo
Today · 4.125%
HK$79,294
baseline
▲ 0.50% · 4.625%
HK$83,474
+HK$4,180/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,588/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,893
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$81,347
−HK$2,493/mo
Today · 4.125%
HK$83,840
baseline
▲ 0.50% · 4.625%
HK$88,942
+HK$5,102/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$167,680/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,768
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,122
−HK$2,388/mo
Today · 4.125%
HK$92,510
baseline
▲ 0.50% · 4.625%
HK$97,386
+HK$4,876/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$185,020/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,434
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$104,589
−HK$3,206/mo
Today · 4.125%
HK$107,795
baseline
▲ 0.50% · 4.625%
HK$114,354
+HK$6,559/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,590/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,844
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$115,871
−HK$3,070/mo
Today · 4.125%
HK$118,941
baseline
▲ 0.50% · 4.625%
HK$125,210
+HK$6,269/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,882/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,308 · Scale 2, in force from 26 Feb 2026)