LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,391
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,145
−HK$1,782/mo
Today · 4.125%
HK$59,927
baseline
▲ 0.50% · 4.625%
HK$63,573
+HK$3,646/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,854/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,734
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,417
−HK$1,707/mo
Today · 4.125%
HK$66,124
baseline
▲ 0.50% · 4.625%
HK$69,609
+HK$3,485/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,248/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,669
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$69,774
−HK$2,138/mo
Today · 4.125%
HK$71,912
baseline
▲ 0.50% · 4.625%
HK$76,288
+HK$4,376/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$143,824/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,051,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,281
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,300
−HK$2,048/mo
Today · 4.125%
HK$79,348
baseline
▲ 0.50% · 4.625%
HK$83,531
+HK$4,183/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$158,696/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,051,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,947
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$81,403
−HK$2,495/mo
Today · 4.125%
HK$83,898
baseline
▲ 0.50% · 4.625%
HK$89,003
+HK$5,105/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,796/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,828
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$90,183
−HK$2,390/mo
Today · 4.125%
HK$92,573
baseline
▲ 0.50% · 4.625%
HK$97,453
+HK$4,880/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,146/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,503
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$104,661
−HK$3,208/mo
Today · 4.125%
HK$107,869
baseline
▲ 0.50% · 4.625%
HK$114,432
+HK$6,563/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$215,738/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,922
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$115,950
−HK$3,072/mo
Today · 4.125%
HK$119,022
baseline
▲ 0.50% · 4.625%
HK$125,296
+HK$6,274/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$238,044/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,027 · Scale 2, in force from 26 Feb 2026)