LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,364
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,117
−HK$1,781/mo
Today · 4.125%
HK$59,898
baseline
▲ 0.50% · 4.625%
HK$63,543
+HK$3,645/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$1,050,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,704
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,386
−HK$1,706/mo
Today · 4.125%
HK$66,092
baseline
▲ 0.50% · 4.625%
HK$69,576
+HK$3,484/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,184/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,637
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,741
−HK$2,137/mo
Today · 4.125%
HK$71,878
baseline
▲ 0.50% · 4.625%
HK$76,252
+HK$4,374/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,756/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,245
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,263
−HK$2,047/mo
Today · 4.125%
HK$79,310
baseline
▲ 0.50% · 4.625%
HK$83,491
+HK$4,181/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,620/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,909
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,364
−HK$2,494/mo
Today · 4.125%
HK$83,858
baseline
▲ 0.50% · 4.625%
HK$88,960
+HK$5,102/mo
Deposit HK$7.42M · loan HK$17.30M · min. income ≈ HK$167,716/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,786
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$90,140
−HK$2,389/mo
Today · 4.125%
HK$92,529
baseline
▲ 0.50% · 4.625%
HK$97,406
+HK$4,877/mo
Deposit HK$7.42M · loan HK$17.30M · min. income ≈ HK$185,058/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,455
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$104,611
−HK$3,206/mo
Today · 4.125%
HK$107,817
baseline
▲ 0.50% · 4.625%
HK$114,377
+HK$6,560/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$215,634/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,868
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$115,895
−HK$3,070/mo
Today · 4.125%
HK$118,965
baseline
▲ 0.50% · 4.625%
HK$125,236
+HK$6,271/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$237,930/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,524 · Scale 2, in force from 26 Feb 2026)