LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,038
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,781
−HK$1,771/mo
Today · 4.125%
HK$59,552
baseline
▲ 0.50% · 4.625%
HK$63,175
+HK$3,623/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,104/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,341
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,013
−HK$1,697/mo
Today · 4.125%
HK$65,710
baseline
▲ 0.50% · 4.625%
HK$69,173
+HK$3,463/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,420/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,245
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,337
−HK$2,125/mo
Today · 4.125%
HK$71,462
baseline
▲ 0.50% · 4.625%
HK$75,810
+HK$4,348/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$142,924/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,810
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,816
−HK$2,035/mo
Today · 4.125%
HK$78,851
baseline
▲ 0.50% · 4.625%
HK$83,008
+HK$4,157/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$157,702/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,453
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,893
−HK$2,480/mo
Today · 4.125%
HK$83,373
baseline
▲ 0.50% · 4.625%
HK$88,446
+HK$5,073/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,746/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,278
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,619
−HK$2,374/mo
Today · 4.125%
HK$91,993
baseline
▲ 0.50% · 4.625%
HK$96,842
+HK$4,849/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$183,986/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,868
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$104,005
−HK$3,188/mo
Today · 4.125%
HK$107,193
baseline
▲ 0.50% · 4.625%
HK$113,716
+HK$6,523/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$214,386/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,215
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$115,224
−HK$3,053/mo
Today · 4.125%
HK$118,277
baseline
▲ 0.50% · 4.625%
HK$124,512
+HK$6,235/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$236,554/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,446 · Scale 2, in force from 26 Feb 2026)