LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,379
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,133
−HK$1,782/mo
Today · 4.125%
HK$59,915
baseline
▲ 0.50% · 4.625%
HK$63,560
+HK$3,645/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,830/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,721
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,403
−HK$1,707/mo
Today · 4.125%
HK$66,110
baseline
▲ 0.50% · 4.625%
HK$69,595
+HK$3,485/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,220/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,655
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,759
−HK$2,138/mo
Today · 4.125%
HK$71,897
baseline
▲ 0.50% · 4.625%
HK$76,272
+HK$4,375/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,794/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,265
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,284
−HK$2,048/mo
Today · 4.125%
HK$79,332
baseline
▲ 0.50% · 4.625%
HK$83,513
+HK$4,181/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,664/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,931
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,386
−HK$2,494/mo
Today · 4.125%
HK$83,880
baseline
▲ 0.50% · 4.625%
HK$88,984
+HK$5,104/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,760/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,810
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,165
−HK$2,389/mo
Today · 4.125%
HK$92,554
baseline
▲ 0.50% · 4.625%
HK$97,432
+HK$4,878/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,108/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,482
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$104,639
−HK$3,207/mo
Today · 4.125%
HK$107,846
baseline
▲ 0.50% · 4.625%
HK$114,408
+HK$6,562/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$215,692/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,898
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$115,926
−HK$3,072/mo
Today · 4.125%
HK$118,998
baseline
▲ 0.50% · 4.625%
HK$125,270
+HK$6,272/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$237,996/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,808 · Scale 2, in force from 26 Feb 2026)