LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,015
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,757
−HK$1,771/mo
Today · 4.125%
HK$59,528
baseline
▲ 0.50% · 4.625%
HK$63,150
+HK$3,622/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,056/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,316
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,987
−HK$1,696/mo
Today · 4.125%
HK$65,683
baseline
▲ 0.50% · 4.625%
HK$69,145
+HK$3,462/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,366/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,218
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,309
−HK$2,124/mo
Today · 4.125%
HK$71,433
baseline
▲ 0.50% · 4.625%
HK$75,780
+HK$4,347/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$1,044,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,779
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,785
−HK$2,034/mo
Today · 4.125%
HK$78,819
baseline
▲ 0.50% · 4.625%
HK$82,974
+HK$4,155/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$1,044,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,421
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,860
−HK$2,479/mo
Today · 4.125%
HK$83,339
baseline
▲ 0.50% · 4.625%
HK$88,409
+HK$5,070/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,678/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,044,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,242
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$89,582
−HK$2,374/mo
Today · 4.125%
HK$91,956
baseline
▲ 0.50% · 4.625%
HK$96,803
+HK$4,847/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$183,912/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,044,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,827
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$103,963
−HK$3,187/mo
Today · 4.125%
HK$107,150
baseline
▲ 0.50% · 4.625%
HK$113,669
+HK$6,519/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,300/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,169
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$115,177
−HK$3,052/mo
Today · 4.125%
HK$118,229
baseline
▲ 0.50% · 4.625%
HK$124,461
+HK$6,232/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,458/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,021 · Scale 2, in force from 26 Feb 2026)