LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,381
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,135
−HK$1,782/mo
Today · 4.125%
HK$59,917
baseline
▲ 0.50% · 4.625%
HK$63,562
+HK$3,645/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,834/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,723
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,406
−HK$1,706/mo
Today · 4.125%
HK$66,112
baseline
▲ 0.50% · 4.625%
HK$69,597
+HK$3,485/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,224/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,657
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$69,762
−HK$2,138/mo
Today · 4.125%
HK$71,900
baseline
▲ 0.50% · 4.625%
HK$76,275
+HK$4,375/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$143,800/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,268
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,287
−HK$2,048/mo
Today · 4.125%
HK$79,335
baseline
▲ 0.50% · 4.625%
HK$83,516
+HK$4,181/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$158,670/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,933
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,389
−HK$2,494/mo
Today · 4.125%
HK$83,883
baseline
▲ 0.50% · 4.625%
HK$88,987
+HK$5,104/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,766/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,813
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,168
−HK$2,389/mo
Today · 4.125%
HK$92,557
baseline
▲ 0.50% · 4.625%
HK$97,436
+HK$4,879/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,114/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,486
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$104,643
−HK$3,207/mo
Today · 4.125%
HK$107,850
baseline
▲ 0.50% · 4.625%
HK$114,412
+HK$6,562/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$215,700/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,902
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$115,930
−HK$3,072/mo
Today · 4.125%
HK$119,002
baseline
▲ 0.50% · 4.625%
HK$125,275
+HK$6,273/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$238,004/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,845 · Scale 2, in force from 26 Feb 2026)