LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,026
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,769
−HK$1,771/mo
Today · 4.125%
HK$59,540
baseline
▲ 0.50% · 4.625%
HK$63,163
+HK$3,623/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,080/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,329
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$64,000
−HK$1,696/mo
Today · 4.125%
HK$65,696
baseline
▲ 0.50% · 4.625%
HK$69,159
+HK$3,463/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,392/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,232
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,323
−HK$2,125/mo
Today · 4.125%
HK$71,448
baseline
▲ 0.50% · 4.625%
HK$75,795
+HK$4,347/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,896/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,794
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,800
−HK$2,035/mo
Today · 4.125%
HK$78,835
baseline
▲ 0.50% · 4.625%
HK$82,991
+HK$4,156/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,670/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,437
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$80,877
−HK$2,479/mo
Today · 4.125%
HK$83,356
baseline
▲ 0.50% · 4.625%
HK$88,428
+HK$5,072/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,712/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,260
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,601
−HK$2,374/mo
Today · 4.125%
HK$91,975
baseline
▲ 0.50% · 4.625%
HK$96,823
+HK$4,848/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$183,950/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,847
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,984
−HK$3,187/mo
Today · 4.125%
HK$107,171
baseline
▲ 0.50% · 4.625%
HK$113,693
+HK$6,522/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,342/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,192
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$115,201
−HK$3,052/mo
Today · 4.125%
HK$118,253
baseline
▲ 0.50% · 4.625%
HK$124,486
+HK$6,233/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,506/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,234 · Scale 2, in force from 26 Feb 2026)