LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,014
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,757
−HK$1,770/mo
Today · 4.125%
HK$59,527
baseline
▲ 0.50% · 4.625%
HK$63,149
+HK$3,622/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,054/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,316
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,987
−HK$1,695/mo
Today · 4.125%
HK$65,682
baseline
▲ 0.50% · 4.625%
HK$69,144
+HK$3,462/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,364/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,217
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,308
−HK$2,125/mo
Today · 4.125%
HK$71,433
baseline
▲ 0.50% · 4.625%
HK$75,779
+HK$4,346/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,866/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,779
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,784
−HK$2,035/mo
Today · 4.125%
HK$78,819
baseline
▲ 0.50% · 4.625%
HK$82,973
+HK$4,154/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,638/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,420
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,860
−HK$2,478/mo
Today · 4.125%
HK$83,338
baseline
▲ 0.50% · 4.625%
HK$88,409
+HK$5,071/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,676/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,044,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,242
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,582
−HK$2,373/mo
Today · 4.125%
HK$91,955
baseline
▲ 0.50% · 4.625%
HK$96,802
+HK$4,847/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$183,910/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,044,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,826
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$103,962
−HK$3,187/mo
Today · 4.125%
HK$107,149
baseline
▲ 0.50% · 4.625%
HK$113,669
+HK$6,520/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,298/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,168
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$115,176
−HK$3,052/mo
Today · 4.125%
HK$118,228
baseline
▲ 0.50% · 4.625%
HK$124,460
+HK$6,232/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,456/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,013 · Scale 2, in force from 26 Feb 2026)