LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,378
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,132
−HK$1,782/mo
Today · 4.125%
HK$59,914
baseline
▲ 0.50% · 4.625%
HK$63,559
+HK$3,645/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,828/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,720
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,402
−HK$1,707/mo
Today · 4.125%
HK$66,109
baseline
▲ 0.50% · 4.625%
HK$69,594
+HK$3,485/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,218/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,654
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,758
−HK$2,138/mo
Today · 4.125%
HK$71,896
baseline
▲ 0.50% · 4.625%
HK$76,271
+HK$4,375/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,792/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,264
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,283
−HK$2,048/mo
Today · 4.125%
HK$79,331
baseline
▲ 0.50% · 4.625%
HK$83,512
+HK$4,181/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,662/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,930
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,385
−HK$2,494/mo
Today · 4.125%
HK$83,879
baseline
▲ 0.50% · 4.625%
HK$88,983
+HK$5,104/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,758/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,808
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,163
−HK$2,389/mo
Today · 4.125%
HK$92,552
baseline
▲ 0.50% · 4.625%
HK$97,431
+HK$4,879/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,104/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,481
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$104,638
−HK$3,207/mo
Today · 4.125%
HK$107,845
baseline
▲ 0.50% · 4.625%
HK$114,407
+HK$6,562/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$215,690/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,896
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$115,924
−HK$3,072/mo
Today · 4.125%
HK$118,996
baseline
▲ 0.50% · 4.625%
HK$125,268
+HK$6,272/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$237,992/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,793 · Scale 2, in force from 26 Feb 2026)