LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,077
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,821
−HK$1,772/mo
Today · 4.125%
HK$59,593
baseline
▲ 0.50% · 4.625%
HK$63,220
+HK$3,627/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,186/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,385
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,058
−HK$1,697/mo
Today · 4.125%
HK$65,755
baseline
▲ 0.50% · 4.625%
HK$69,221
+HK$3,466/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,510/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,292
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$69,385
−HK$2,127/mo
Today · 4.125%
HK$71,512
baseline
▲ 0.50% · 4.625%
HK$75,863
+HK$4,351/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,024/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,862
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$76,870
−HK$2,037/mo
Today · 4.125%
HK$78,907
baseline
▲ 0.50% · 4.625%
HK$83,066
+HK$4,159/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,814/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,508
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,950
−HK$2,481/mo
Today · 4.125%
HK$83,431
baseline
▲ 0.50% · 4.625%
HK$88,507
+HK$5,076/mo
Deposit HK$7.38M · loan HK$17.21M · min. income ≈ HK$166,862/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,339
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$89,681
−HK$2,377/mo
Today · 4.125%
HK$92,058
baseline
▲ 0.50% · 4.625%
HK$96,910
+HK$4,852/mo
Deposit HK$7.38M · loan HK$17.21M · min. income ≈ HK$184,116/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,938
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$104,078
−HK$3,190/mo
Today · 4.125%
HK$107,268
baseline
▲ 0.50% · 4.625%
HK$113,795
+HK$6,527/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$214,536/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,045,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,293
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,305
−HK$3,055/mo
Today · 4.125%
HK$118,360
baseline
▲ 0.50% · 4.625%
HK$124,599
+HK$6,239/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$236,720/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,045,176 · Scale 2, in force from 26 Feb 2026)