LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,233
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,982
−HK$1,777/mo
Today · 4.125%
HK$59,759
baseline
▲ 0.50% · 4.625%
HK$63,395
+HK$3,636/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,518/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,558
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,236
−HK$1,702/mo
Today · 4.125%
HK$65,938
baseline
▲ 0.50% · 4.625%
HK$69,414
+HK$3,476/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,876/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,479
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,578
−HK$2,133/mo
Today · 4.125%
HK$71,711
baseline
▲ 0.50% · 4.625%
HK$76,074
+HK$4,363/mo
Deposit HK$9.86M · loan HK$14.80M · min. income ≈ HK$143,422/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,070
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,084
−HK$2,042/mo
Today · 4.125%
HK$79,126
baseline
▲ 0.50% · 4.625%
HK$83,297
+HK$4,171/mo
Deposit HK$9.86M · loan HK$14.80M · min. income ≈ HK$158,252/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,726
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,175
−HK$2,488/mo
Today · 4.125%
HK$83,663
baseline
▲ 0.50% · 4.625%
HK$88,753
+HK$5,090/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$167,326/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,582
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$89,931
−HK$2,383/mo
Today · 4.125%
HK$92,314
baseline
▲ 0.50% · 4.625%
HK$97,180
+HK$4,866/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$184,628/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,219
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$104,368
−HK$3,198/mo
Today · 4.125%
HK$107,566
baseline
▲ 0.50% · 4.625%
HK$114,112
+HK$6,546/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$215,132/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,605
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$115,625
−HK$3,064/mo
Today · 4.125%
HK$118,689
baseline
▲ 0.50% · 4.625%
HK$124,945
+HK$6,256/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$237,378/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,082 · Scale 2, in force from 26 Feb 2026)