LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,385
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,139
−HK$1,782/mo
Today · 4.125%
HK$59,921
baseline
▲ 0.50% · 4.625%
HK$63,567
+HK$3,646/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,842/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,727
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,410
−HK$1,706/mo
Today · 4.125%
HK$66,116
baseline
▲ 0.50% · 4.625%
HK$69,601
+HK$3,485/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,232/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,662
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$69,766
−HK$2,139/mo
Today · 4.125%
HK$71,905
baseline
▲ 0.50% · 4.625%
HK$76,280
+HK$4,375/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$143,810/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,273
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,292
−HK$2,048/mo
Today · 4.125%
HK$79,340
baseline
▲ 0.50% · 4.625%
HK$83,522
+HK$4,182/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$158,680/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,939
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,394
−HK$2,495/mo
Today · 4.125%
HK$83,889
baseline
▲ 0.50% · 4.625%
HK$88,993
+HK$5,104/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,778/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,818
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$90,174
−HK$2,389/mo
Today · 4.125%
HK$92,563
baseline
▲ 0.50% · 4.625%
HK$97,442
+HK$4,879/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,126/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,492
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$104,649
−HK$3,208/mo
Today · 4.125%
HK$107,857
baseline
▲ 0.50% · 4.625%
HK$114,420
+HK$6,563/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$215,714/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,909
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$115,938
−HK$3,072/mo
Today · 4.125%
HK$119,010
baseline
▲ 0.50% · 4.625%
HK$125,283
+HK$6,273/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$238,020/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,913 · Scale 2, in force from 26 Feb 2026)