LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,236
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,985
−HK$1,777/mo
Today · 4.125%
HK$59,762
baseline
▲ 0.50% · 4.625%
HK$63,398
+HK$3,636/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,524/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,561
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,239
−HK$1,702/mo
Today · 4.125%
HK$65,941
baseline
▲ 0.50% · 4.625%
HK$69,417
+HK$3,476/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,882/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,483
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,582
−HK$2,132/mo
Today · 4.125%
HK$71,714
baseline
▲ 0.50% · 4.625%
HK$76,078
+HK$4,364/mo
Deposit HK$9.86M · loan HK$14.80M · min. income ≈ HK$143,428/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,074
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,087
−HK$2,043/mo
Today · 4.125%
HK$79,130
baseline
▲ 0.50% · 4.625%
HK$83,301
+HK$4,171/mo
Deposit HK$9.86M · loan HK$14.80M · min. income ≈ HK$158,260/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,730
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,179
−HK$2,488/mo
Today · 4.125%
HK$83,667
baseline
▲ 0.50% · 4.625%
HK$88,758
+HK$5,091/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$167,334/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,586
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$89,935
−HK$2,383/mo
Today · 4.125%
HK$92,318
baseline
▲ 0.50% · 4.625%
HK$97,184
+HK$4,866/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$184,636/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,224
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$104,373
−HK$3,199/mo
Today · 4.125%
HK$107,572
baseline
▲ 0.50% · 4.625%
HK$114,117
+HK$6,545/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$215,144/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,611
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$115,631
−HK$3,064/mo
Today · 4.125%
HK$118,695
baseline
▲ 0.50% · 4.625%
HK$124,951
+HK$6,256/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$237,390/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,133 · Scale 2, in force from 26 Feb 2026)