LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,382
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,135
−HK$1,782/mo
Today · 4.125%
HK$59,917
baseline
▲ 0.50% · 4.625%
HK$63,563
+HK$3,646/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$1,050,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,724
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,406
−HK$1,707/mo
Today · 4.125%
HK$66,113
baseline
▲ 0.50% · 4.625%
HK$69,598
+HK$3,485/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,226/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,658
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$69,763
−HK$2,138/mo
Today · 4.125%
HK$71,901
baseline
▲ 0.50% · 4.625%
HK$76,276
+HK$4,375/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$143,802/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,269
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,288
−HK$2,047/mo
Today · 4.125%
HK$79,335
baseline
▲ 0.50% · 4.625%
HK$83,517
+HK$4,182/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$1,050,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,934
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,390
−HK$2,494/mo
Today · 4.125%
HK$83,884
baseline
▲ 0.50% · 4.625%
HK$88,988
+HK$5,104/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,768/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,814
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,169
−HK$2,389/mo
Today · 4.125%
HK$92,558
baseline
▲ 0.50% · 4.625%
HK$97,437
+HK$4,879/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,116/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,487
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$104,644
−HK$3,207/mo
Today · 4.125%
HK$107,851
baseline
▲ 0.50% · 4.625%
HK$114,414
+HK$6,563/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$215,702/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,903
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$115,931
−HK$3,072/mo
Today · 4.125%
HK$119,003
baseline
▲ 0.50% · 4.625%
HK$125,276
+HK$6,273/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$238,006/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,856 · Scale 2, in force from 26 Feb 2026)