LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,371
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,124
−HK$1,782/mo
Today · 4.125%
HK$59,906
baseline
▲ 0.50% · 4.625%
HK$63,551
+HK$3,645/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,812/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,712
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,394
−HK$1,706/mo
Today · 4.125%
HK$66,100
baseline
▲ 0.50% · 4.625%
HK$69,585
+HK$3,485/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,200/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,645
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,749
−HK$2,138/mo
Today · 4.125%
HK$71,887
baseline
▲ 0.50% · 4.625%
HK$76,261
+HK$4,374/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,774/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,255
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,273
−HK$2,047/mo
Today · 4.125%
HK$79,320
baseline
▲ 0.50% · 4.625%
HK$83,501
+HK$4,181/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,640/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,919
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,374
−HK$2,494/mo
Today · 4.125%
HK$83,868
baseline
▲ 0.50% · 4.625%
HK$88,972
+HK$5,104/mo
Deposit HK$7.42M · loan HK$17.30M · min. income ≈ HK$167,736/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,797
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$90,152
−HK$2,388/mo
Today · 4.125%
HK$92,540
baseline
▲ 0.50% · 4.625%
HK$97,418
+HK$4,878/mo
Deposit HK$7.42M · loan HK$17.30M · min. income ≈ HK$185,080/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,468
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$104,624
−HK$3,207/mo
Today · 4.125%
HK$107,831
baseline
▲ 0.50% · 4.625%
HK$114,392
+HK$6,561/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$215,662/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,882
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$115,909
−HK$3,072/mo
Today · 4.125%
HK$118,981
baseline
▲ 0.50% · 4.625%
HK$125,252
+HK$6,271/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$237,962/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,658 · Scale 2, in force from 26 Feb 2026)