LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,360
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,113
−HK$1,781/mo
Today · 4.125%
HK$59,894
baseline
▲ 0.50% · 4.625%
HK$63,539
+HK$3,645/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,788/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,700
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,381
−HK$1,706/mo
Today · 4.125%
HK$66,087
baseline
▲ 0.50% · 4.625%
HK$69,571
+HK$3,484/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,174/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,632
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,736
−HK$2,137/mo
Today · 4.125%
HK$71,873
baseline
▲ 0.50% · 4.625%
HK$76,246
+HK$4,373/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,746/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,240
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,258
−HK$2,047/mo
Today · 4.125%
HK$79,305
baseline
▲ 0.50% · 4.625%
HK$83,485
+HK$4,180/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,610/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,904
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,358
−HK$2,494/mo
Today · 4.125%
HK$83,852
baseline
▲ 0.50% · 4.625%
HK$88,954
+HK$5,102/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$167,704/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,780
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,134
−HK$2,388/mo
Today · 4.125%
HK$92,522
baseline
▲ 0.50% · 4.625%
HK$97,399
+HK$4,877/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$185,044/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,448
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$104,604
−HK$3,206/mo
Today · 4.125%
HK$107,810
baseline
▲ 0.50% · 4.625%
HK$114,370
+HK$6,560/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,620/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,860
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$115,887
−HK$3,070/mo
Today · 4.125%
HK$118,957
baseline
▲ 0.50% · 4.625%
HK$125,228
+HK$6,271/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,914/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,451 · Scale 2, in force from 26 Feb 2026)