LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,368
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,121
−HK$1,781/mo
Today · 4.125%
HK$59,902
baseline
▲ 0.50% · 4.625%
HK$63,547
+HK$3,645/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,804/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,708
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,390
−HK$1,706/mo
Today · 4.125%
HK$66,096
baseline
▲ 0.50% · 4.625%
HK$69,580
+HK$3,484/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,192/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,641
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,745
−HK$2,138/mo
Today · 4.125%
HK$71,883
baseline
▲ 0.50% · 4.625%
HK$76,257
+HK$4,374/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,766/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,250
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,268
−HK$2,048/mo
Today · 4.125%
HK$79,316
baseline
▲ 0.50% · 4.625%
HK$83,496
+HK$4,180/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,632/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,915
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,369
−HK$2,494/mo
Today · 4.125%
HK$83,863
baseline
▲ 0.50% · 4.625%
HK$88,966
+HK$5,103/mo
Deposit HK$7.42M · loan HK$17.30M · min. income ≈ HK$167,726/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,792
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$90,146
−HK$2,389/mo
Today · 4.125%
HK$92,535
baseline
▲ 0.50% · 4.625%
HK$97,412
+HK$4,877/mo
Deposit HK$7.42M · loan HK$17.30M · min. income ≈ HK$185,070/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,462
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$104,618
−HK$3,206/mo
Today · 4.125%
HK$107,824
baseline
▲ 0.50% · 4.625%
HK$114,385
+HK$6,561/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$215,648/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,875
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$115,902
−HK$3,071/mo
Today · 4.125%
HK$118,973
baseline
▲ 0.50% · 4.625%
HK$125,245
+HK$6,272/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$237,946/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,593 · Scale 2, in force from 26 Feb 2026)