LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,106
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,852
−HK$1,773/mo
Today · 4.125%
HK$59,625
baseline
▲ 0.50% · 4.625%
HK$63,253
+HK$3,628/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,250/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,418
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,092
−HK$1,698/mo
Today · 4.125%
HK$65,790
baseline
▲ 0.50% · 4.625%
HK$69,258
+HK$3,468/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,580/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,328
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,422
−HK$2,128/mo
Today · 4.125%
HK$71,550
baseline
▲ 0.50% · 4.625%
HK$75,903
+HK$4,353/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,100/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,901
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,910
−HK$2,038/mo
Today · 4.125%
HK$78,948
baseline
▲ 0.50% · 4.625%
HK$83,110
+HK$4,162/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,896/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,549
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$80,992
−HK$2,483/mo
Today · 4.125%
HK$83,475
baseline
▲ 0.50% · 4.625%
HK$88,554
+HK$5,079/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,950/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,385
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,729
−HK$2,377/mo
Today · 4.125%
HK$92,106
baseline
▲ 0.50% · 4.625%
HK$96,961
+HK$4,855/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,212/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,992
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$104,133
−HK$3,192/mo
Today · 4.125%
HK$107,325
baseline
▲ 0.50% · 4.625%
HK$113,855
+HK$6,530/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$214,650/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,352
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$115,365
−HK$3,057/mo
Today · 4.125%
HK$118,422
baseline
▲ 0.50% · 4.625%
HK$124,664
+HK$6,242/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$236,844/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,726 · Scale 2, in force from 26 Feb 2026)