LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,081
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,826
−HK$1,772/mo
Today · 4.125%
HK$59,598
baseline
▲ 0.50% · 4.625%
HK$63,225
+HK$3,627/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,196/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,390
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,063
−HK$1,698/mo
Today · 4.125%
HK$65,761
baseline
▲ 0.50% · 4.625%
HK$69,227
+HK$3,466/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,522/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,298
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$69,391
−HK$2,127/mo
Today · 4.125%
HK$71,518
baseline
▲ 0.50% · 4.625%
HK$75,870
+HK$4,352/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,036/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,868
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$76,876
−HK$2,037/mo
Today · 4.125%
HK$78,913
baseline
▲ 0.50% · 4.625%
HK$83,072
+HK$4,159/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,826/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,514
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,956
−HK$2,481/mo
Today · 4.125%
HK$83,437
baseline
▲ 0.50% · 4.625%
HK$88,514
+HK$5,077/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,874/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,346
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$89,689
−HK$2,376/mo
Today · 4.125%
HK$92,065
baseline
▲ 0.50% · 4.625%
HK$96,918
+HK$4,853/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,130/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,947
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$104,087
−HK$3,190/mo
Today · 4.125%
HK$107,277
baseline
▲ 0.50% · 4.625%
HK$113,804
+HK$6,527/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$214,554/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,045,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,302
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,314
−HK$3,055/mo
Today · 4.125%
HK$118,369
baseline
▲ 0.50% · 4.625%
HK$124,609
+HK$6,240/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$236,738/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,045,260 · Scale 2, in force from 26 Feb 2026)