LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,041
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,784
−HK$1,771/mo
Today · 4.125%
HK$59,555
baseline
▲ 0.50% · 4.625%
HK$63,179
+HK$3,624/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,110/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,345
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,017
−HK$1,696/mo
Today · 4.125%
HK$65,713
baseline
▲ 0.50% · 4.625%
HK$69,177
+HK$3,464/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,426/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,249
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,341
−HK$2,125/mo
Today · 4.125%
HK$71,466
baseline
▲ 0.50% · 4.625%
HK$75,815
+HK$4,349/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$142,932/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,814
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,820
−HK$2,036/mo
Today · 4.125%
HK$78,856
baseline
▲ 0.50% · 4.625%
HK$83,013
+HK$4,157/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$157,712/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,457
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,898
−HK$2,479/mo
Today · 4.125%
HK$83,377
baseline
▲ 0.50% · 4.625%
HK$88,451
+HK$5,074/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,754/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,283
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$89,624
−HK$2,375/mo
Today · 4.125%
HK$91,999
baseline
▲ 0.50% · 4.625%
HK$96,848
+HK$4,849/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$183,998/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,874
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$104,011
−HK$3,188/mo
Today · 4.125%
HK$107,199
baseline
▲ 0.50% · 4.625%
HK$113,722
+HK$6,523/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$214,398/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,221
−HK$6,063/mo
▼ 0.25% · 3.875%
HK$115,231
−HK$3,053/mo
Today · 4.125%
HK$118,284
baseline
▲ 0.50% · 4.625%
HK$124,519
+HK$6,235/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$236,568/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,506 · Scale 2, in force from 26 Feb 2026)