LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,023
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,765
−HK$1,771/mo
Today · 4.125%
HK$59,536
baseline
▲ 0.50% · 4.625%
HK$63,158
+HK$3,622/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,072/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,325
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,996
−HK$1,696/mo
Today · 4.125%
HK$65,692
baseline
▲ 0.50% · 4.625%
HK$69,155
+HK$3,463/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,384/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,227
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,318
−HK$2,125/mo
Today · 4.125%
HK$71,443
baseline
▲ 0.50% · 4.625%
HK$75,790
+HK$4,347/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,886/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,790
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,795
−HK$2,035/mo
Today · 4.125%
HK$78,830
baseline
▲ 0.50% · 4.625%
HK$82,986
+HK$4,156/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,660/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,432
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,871
−HK$2,479/mo
Today · 4.125%
HK$83,350
baseline
▲ 0.50% · 4.625%
HK$88,422
+HK$5,072/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,700/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,044,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,255
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$89,595
−HK$2,374/mo
Today · 4.125%
HK$91,969
baseline
▲ 0.50% · 4.625%
HK$96,816
+HK$4,847/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$183,938/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,044,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,841
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$103,978
−HK$3,186/mo
Today · 4.125%
HK$107,164
baseline
▲ 0.50% · 4.625%
HK$113,685
+HK$6,521/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,328/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,184
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$115,193
−HK$3,052/mo
Today · 4.125%
HK$118,245
baseline
▲ 0.50% · 4.625%
HK$124,478
+HK$6,233/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,490/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,165 · Scale 2, in force from 26 Feb 2026)