LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,238
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,987
−HK$1,778/mo
Today · 4.125%
HK$59,765
baseline
▲ 0.50% · 4.625%
HK$63,401
+HK$3,636/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,530/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,564
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,242
−HK$1,702/mo
Today · 4.125%
HK$65,944
baseline
▲ 0.50% · 4.625%
HK$69,420
+HK$3,476/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,888/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,486
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,585
−HK$2,133/mo
Today · 4.125%
HK$71,718
baseline
▲ 0.50% · 4.625%
HK$76,081
+HK$4,363/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$143,436/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,077
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,091
−HK$2,042/mo
Today · 4.125%
HK$79,133
baseline
▲ 0.50% · 4.625%
HK$83,305
+HK$4,172/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$158,266/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,733
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,182
−HK$2,489/mo
Today · 4.125%
HK$83,671
baseline
▲ 0.50% · 4.625%
HK$88,762
+HK$5,091/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$167,342/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,590
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$89,939
−HK$2,383/mo
Today · 4.125%
HK$92,322
baseline
▲ 0.50% · 4.625%
HK$97,189
+HK$4,867/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$184,644/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,228
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$104,377
−HK$3,199/mo
Today · 4.125%
HK$107,576
baseline
▲ 0.50% · 4.625%
HK$114,122
+HK$6,546/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$215,152/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,616
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$115,636
−HK$3,064/mo
Today · 4.125%
HK$118,700
baseline
▲ 0.50% · 4.625%
HK$124,957
+HK$6,257/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$237,400/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,179 · Scale 2, in force from 26 Feb 2026)