LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,035
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,779
−HK$1,770/mo
Today · 4.125%
HK$59,549
baseline
▲ 0.50% · 4.625%
HK$63,173
+HK$3,624/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,098/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,339
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,011
−HK$1,696/mo
Today · 4.125%
HK$65,707
baseline
▲ 0.50% · 4.625%
HK$69,170
+HK$3,463/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,414/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,243
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,334
−HK$2,125/mo
Today · 4.125%
HK$71,459
baseline
▲ 0.50% · 4.625%
HK$75,807
+HK$4,348/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,918/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,807
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,813
−HK$2,035/mo
Today · 4.125%
HK$78,848
baseline
▲ 0.50% · 4.625%
HK$83,004
+HK$4,156/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,696/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,450
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$80,890
−HK$2,479/mo
Today · 4.125%
HK$83,369
baseline
▲ 0.50% · 4.625%
HK$88,442
+HK$5,073/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,738/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,274
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$89,615
−HK$2,375/mo
Today · 4.125%
HK$91,990
baseline
▲ 0.50% · 4.625%
HK$96,839
+HK$4,849/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$183,980/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,864
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$104,001
−HK$3,188/mo
Today · 4.125%
HK$107,189
baseline
▲ 0.50% · 4.625%
HK$113,711
+HK$6,522/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$214,378/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,210
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$115,219
−HK$3,053/mo
Today · 4.125%
HK$118,272
baseline
▲ 0.50% · 4.625%
HK$124,507
+HK$6,235/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$236,544/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,404 · Scale 2, in force from 26 Feb 2026)