LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,082
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,827
−HK$1,772/mo
Today · 4.125%
HK$59,599
baseline
▲ 0.50% · 4.625%
HK$63,226
+HK$3,627/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,198/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,391
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,064
−HK$1,698/mo
Today · 4.125%
HK$65,762
baseline
▲ 0.50% · 4.625%
HK$69,228
+HK$3,466/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,524/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,299
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$69,392
−HK$2,127/mo
Today · 4.125%
HK$71,519
baseline
▲ 0.50% · 4.625%
HK$75,871
+HK$4,352/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,038/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,869
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$76,877
−HK$2,037/mo
Today · 4.125%
HK$78,914
baseline
▲ 0.50% · 4.625%
HK$83,074
+HK$4,160/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,828/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,515
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$80,957
−HK$2,482/mo
Today · 4.125%
HK$83,439
baseline
▲ 0.50% · 4.625%
HK$88,516
+HK$5,077/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,878/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,347
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$89,690
−HK$2,376/mo
Today · 4.125%
HK$92,066
baseline
▲ 0.50% · 4.625%
HK$96,919
+HK$4,853/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,132/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,948
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$104,088
−HK$3,190/mo
Today · 4.125%
HK$107,278
baseline
▲ 0.50% · 4.625%
HK$113,806
+HK$6,528/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$214,556/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,045,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,304
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,316
−HK$3,055/mo
Today · 4.125%
HK$118,371
baseline
▲ 0.50% · 4.625%
HK$124,611
+HK$6,240/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$236,742/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,045,275 · Scale 2, in force from 26 Feb 2026)