LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,363
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,116
−HK$1,782/mo
Today · 4.125%
HK$59,898
baseline
▲ 0.50% · 4.625%
HK$63,542
+HK$3,644/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,796/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,703
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,385
−HK$1,706/mo
Today · 4.125%
HK$66,091
baseline
▲ 0.50% · 4.625%
HK$69,575
+HK$3,484/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,182/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,636
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,740
−HK$2,137/mo
Today · 4.125%
HK$71,877
baseline
▲ 0.50% · 4.625%
HK$76,251
+HK$4,374/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,754/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,244
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,262
−HK$2,047/mo
Today · 4.125%
HK$79,309
baseline
▲ 0.50% · 4.625%
HK$83,490
+HK$4,181/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,618/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,908
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,363
−HK$2,494/mo
Today · 4.125%
HK$83,857
baseline
▲ 0.50% · 4.625%
HK$88,959
+HK$5,102/mo
Deposit HK$7.42M · loan HK$17.30M · min. income ≈ HK$167,714/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,785
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$90,139
−HK$2,389/mo
Today · 4.125%
HK$92,528
baseline
▲ 0.50% · 4.625%
HK$97,405
+HK$4,877/mo
Deposit HK$7.42M · loan HK$17.30M · min. income ≈ HK$185,056/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,454
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$104,610
−HK$3,206/mo
Today · 4.125%
HK$107,816
baseline
▲ 0.50% · 4.625%
HK$114,376
+HK$6,560/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$215,632/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,866
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$115,893
−HK$3,071/mo
Today · 4.125%
HK$118,964
baseline
▲ 0.50% · 4.625%
HK$125,235
+HK$6,271/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$237,928/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,512 · Scale 2, in force from 26 Feb 2026)