LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,047
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,791
−HK$1,771/mo
Today · 4.125%
HK$59,562
baseline
▲ 0.50% · 4.625%
HK$63,186
+HK$3,624/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,124/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,352
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,024
−HK$1,697/mo
Today · 4.125%
HK$65,721
baseline
▲ 0.50% · 4.625%
HK$69,185
+HK$3,464/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,442/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,257
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,349
−HK$2,125/mo
Today · 4.125%
HK$71,474
baseline
▲ 0.50% · 4.625%
HK$75,823
+HK$4,349/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$142,948/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,822
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$76,829
−HK$2,036/mo
Today · 4.125%
HK$78,865
baseline
▲ 0.50% · 4.625%
HK$83,022
+HK$4,157/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$157,730/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,466
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,907
−HK$2,479/mo
Today · 4.125%
HK$83,386
baseline
▲ 0.50% · 4.625%
HK$88,460
+HK$5,074/mo
Deposit HK$7.37M · loan HK$17.21M · min. income ≈ HK$166,772/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,293
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$89,634
−HK$2,375/mo
Today · 4.125%
HK$92,009
baseline
▲ 0.50% · 4.625%
HK$96,859
+HK$4,850/mo
Deposit HK$7.37M · loan HK$17.21M · min. income ≈ HK$184,018/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,885
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$104,023
−HK$3,188/mo
Today · 4.125%
HK$107,211
baseline
▲ 0.50% · 4.625%
HK$113,735
+HK$6,524/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$214,422/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,233
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$115,243
−HK$3,054/mo
Today · 4.125%
HK$118,297
baseline
▲ 0.50% · 4.625%
HK$124,533
+HK$6,236/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$236,594/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,621 · Scale 2, in force from 26 Feb 2026)