LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,041
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,785
−HK$1,771/mo
Today · 4.125%
HK$59,556
baseline
▲ 0.50% · 4.625%
HK$63,179
+HK$3,623/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,112/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,345
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,017
−HK$1,697/mo
Today · 4.125%
HK$65,714
baseline
▲ 0.50% · 4.625%
HK$69,178
+HK$3,464/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,428/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,250
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,341
−HK$2,126/mo
Today · 4.125%
HK$71,467
baseline
▲ 0.50% · 4.625%
HK$75,815
+HK$4,348/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$142,934/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,814
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,821
−HK$2,035/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$1,044,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,458
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,898
−HK$2,480/mo
Today · 4.125%
HK$83,378
baseline
▲ 0.50% · 4.625%
HK$88,451
+HK$5,073/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,756/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,284
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,624
−HK$2,375/mo
Today · 4.125%
HK$91,999
baseline
▲ 0.50% · 4.625%
HK$96,849
+HK$4,850/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$1,044,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,874
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$104,012
−HK$3,188/mo
Today · 4.125%
HK$107,200
baseline
▲ 0.50% · 4.625%
HK$113,723
+HK$6,523/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$214,400/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,222
−HK$6,063/mo
▼ 0.25% · 3.875%
HK$115,231
−HK$3,054/mo
Today · 4.125%
HK$118,285
baseline
▲ 0.50% · 4.625%
HK$124,520
+HK$6,235/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$236,570/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,513 · Scale 2, in force from 26 Feb 2026)