LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,072
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,817
−HK$1,772/mo
Today · 4.125%
HK$59,589
baseline
▲ 0.50% · 4.625%
HK$63,214
+HK$3,625/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,178/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,380
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,053
−HK$1,697/mo
Today · 4.125%
HK$65,750
baseline
▲ 0.50% · 4.625%
HK$69,216
+HK$3,466/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,500/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,287
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$69,380
−HK$2,126/mo
Today · 4.125%
HK$71,506
baseline
▲ 0.50% · 4.625%
HK$75,857
+HK$4,351/mo
Deposit HK$9.84M · loan HK$14.75M · min. income ≈ HK$143,012/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,856
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,864
−HK$2,036/mo
Today · 4.125%
HK$78,900
baseline
▲ 0.50% · 4.625%
HK$83,059
+HK$4,159/mo
Deposit HK$9.84M · loan HK$14.75M · min. income ≈ HK$157,800/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,501
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,943
−HK$2,481/mo
Today · 4.125%
HK$83,424
baseline
▲ 0.50% · 4.625%
HK$88,500
+HK$5,076/mo
Deposit HK$7.38M · loan HK$17.21M · min. income ≈ HK$166,848/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,332
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$89,674
−HK$2,376/mo
Today · 4.125%
HK$92,050
baseline
▲ 0.50% · 4.625%
HK$96,902
+HK$4,852/mo
Deposit HK$7.38M · loan HK$17.21M · min. income ≈ HK$184,100/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,930
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$104,070
−HK$3,190/mo
Today · 4.125%
HK$107,260
baseline
▲ 0.50% · 4.625%
HK$113,786
+HK$6,526/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$214,520/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,045,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,284
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$115,295
−HK$3,055/mo
Today · 4.125%
HK$118,350
baseline
▲ 0.50% · 4.625%
HK$124,589
+HK$6,239/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$236,700/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,045,092 · Scale 2, in force from 26 Feb 2026)