LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,229
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,978
−HK$1,777/mo
Today · 4.125%
HK$59,755
baseline
▲ 0.50% · 4.625%
HK$63,391
+HK$3,636/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,510/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,554
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,231
−HK$1,702/mo
Today · 4.125%
HK$65,933
baseline
▲ 0.50% · 4.625%
HK$69,409
+HK$3,476/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,866/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,474
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,573
−HK$2,133/mo
Today · 4.125%
HK$71,706
baseline
▲ 0.50% · 4.625%
HK$76,069
+HK$4,363/mo
Deposit HK$9.86M · loan HK$14.80M · min. income ≈ HK$143,412/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,065
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$77,078
−HK$2,042/mo
Today · 4.125%
HK$79,120
baseline
▲ 0.50% · 4.625%
HK$83,291
+HK$4,171/mo
Deposit HK$9.86M · loan HK$14.80M · min. income ≈ HK$158,240/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,720
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,169
−HK$2,488/mo
Today · 4.125%
HK$83,657
baseline
▲ 0.50% · 4.625%
HK$88,747
+HK$5,090/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$167,314/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,575
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$89,924
−HK$2,383/mo
Today · 4.125%
HK$92,307
baseline
▲ 0.50% · 4.625%
HK$97,172
+HK$4,865/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$184,614/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,212
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$104,360
−HK$3,198/mo
Today · 4.125%
HK$107,558
baseline
▲ 0.50% · 4.625%
HK$114,103
+HK$6,545/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$215,116/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,597
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$115,617
−HK$3,063/mo
Today · 4.125%
HK$118,680
baseline
▲ 0.50% · 4.625%
HK$124,936
+HK$6,256/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$237,360/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,004 · Scale 2, in force from 26 Feb 2026)