LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,078
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,822
−HK$1,773/mo
Today · 4.125%
HK$59,595
baseline
▲ 0.50% · 4.625%
HK$63,221
+HK$3,626/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,190/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,386
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,060
−HK$1,697/mo
Today · 4.125%
HK$65,757
baseline
▲ 0.50% · 4.625%
HK$69,223
+HK$3,466/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,514/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,294
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$69,387
−HK$2,127/mo
Today · 4.125%
HK$71,514
baseline
▲ 0.50% · 4.625%
HK$75,865
+HK$4,351/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,028/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,864
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,871
−HK$2,037/mo
Today · 4.125%
HK$78,908
baseline
▲ 0.50% · 4.625%
HK$83,068
+HK$4,160/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,816/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,509
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$80,951
−HK$2,482/mo
Today · 4.125%
HK$83,433
baseline
▲ 0.50% · 4.625%
HK$88,509
+HK$5,076/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,866/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,341
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$89,683
−HK$2,377/mo
Today · 4.125%
HK$92,060
baseline
▲ 0.50% · 4.625%
HK$96,912
+HK$4,852/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,120/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,941
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$104,080
−HK$3,191/mo
Today · 4.125%
HK$107,271
baseline
▲ 0.50% · 4.625%
HK$113,798
+HK$6,527/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$214,542/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,045,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,295
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,307
−HK$3,055/mo
Today · 4.125%
HK$118,362
baseline
▲ 0.50% · 4.625%
HK$124,602
+HK$6,240/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$236,724/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,045,199 · Scale 2, in force from 26 Feb 2026)