LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,028
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,771
−HK$1,771/mo
Today · 4.125%
HK$59,542
baseline
▲ 0.50% · 4.625%
HK$63,165
+HK$3,623/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,084/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,331
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$64,002
−HK$1,696/mo
Today · 4.125%
HK$65,698
baseline
▲ 0.50% · 4.625%
HK$69,161
+HK$3,463/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,396/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,234
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,325
−HK$2,125/mo
Today · 4.125%
HK$71,450
baseline
▲ 0.50% · 4.625%
HK$75,798
+HK$4,348/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,900/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,797
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,803
−HK$2,035/mo
Today · 4.125%
HK$78,838
baseline
▲ 0.50% · 4.625%
HK$82,994
+HK$4,156/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,676/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,439
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$80,879
−HK$2,479/mo
Today · 4.125%
HK$83,358
baseline
▲ 0.50% · 4.625%
HK$88,430
+HK$5,072/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,716/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,263
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,603
−HK$2,375/mo
Today · 4.125%
HK$91,978
baseline
▲ 0.50% · 4.625%
HK$96,826
+HK$4,848/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$183,956/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,851
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,988
−HK$3,187/mo
Today · 4.125%
HK$107,175
baseline
▲ 0.50% · 4.625%
HK$113,696
+HK$6,521/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,350/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,195
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$115,204
−HK$3,053/mo
Today · 4.125%
HK$118,257
baseline
▲ 0.50% · 4.625%
HK$124,490
+HK$6,233/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,514/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,268 · Scale 2, in force from 26 Feb 2026)