LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,097
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,842
−HK$1,773/mo
Today · 4.125%
HK$59,615
baseline
▲ 0.50% · 4.625%
HK$63,243
+HK$3,628/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,230/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,408
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,082
−HK$1,698/mo
Today · 4.125%
HK$65,780
baseline
▲ 0.50% · 4.625%
HK$69,247
+HK$3,467/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,560/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,317
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,411
−HK$2,127/mo
Today · 4.125%
HK$71,538
baseline
▲ 0.50% · 4.625%
HK$75,891
+HK$4,353/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,076/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,889
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,898
−HK$2,038/mo
Today · 4.125%
HK$78,936
baseline
▲ 0.50% · 4.625%
HK$83,096
+HK$4,160/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,872/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,536
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,979
−HK$2,482/mo
Today · 4.125%
HK$83,461
baseline
▲ 0.50% · 4.625%
HK$88,540
+HK$5,079/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,922/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,371
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,714
−HK$2,377/mo
Today · 4.125%
HK$92,091
baseline
▲ 0.50% · 4.625%
HK$96,946
+HK$4,855/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,182/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,975
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$104,116
−HK$3,192/mo
Today · 4.125%
HK$107,308
baseline
▲ 0.50% · 4.625%
HK$113,837
+HK$6,529/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$214,616/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,334
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$115,347
−HK$3,056/mo
Today · 4.125%
HK$118,403
baseline
▲ 0.50% · 4.625%
HK$124,644
+HK$6,241/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$236,806/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,560 · Scale 2, in force from 26 Feb 2026)