LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,241
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,990
−HK$1,777/mo
Today · 4.125%
HK$59,767
baseline
▲ 0.50% · 4.625%
HK$63,404
+HK$3,637/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,534/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,567
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,245
−HK$1,703/mo
Today · 4.125%
HK$65,948
baseline
▲ 0.50% · 4.625%
HK$69,424
+HK$3,476/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,896/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,489
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,588
−HK$2,133/mo
Today · 4.125%
HK$71,721
baseline
▲ 0.50% · 4.625%
HK$76,085
+HK$4,364/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$143,442/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,081
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,094
−HK$2,043/mo
Today · 4.125%
HK$79,137
baseline
▲ 0.50% · 4.625%
HK$83,308
+HK$4,171/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$158,274/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,737
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,186
−HK$2,488/mo
Today · 4.125%
HK$83,674
baseline
▲ 0.50% · 4.625%
HK$88,766
+HK$5,092/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$167,348/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,594
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,943
−HK$2,384/mo
Today · 4.125%
HK$92,327
baseline
▲ 0.50% · 4.625%
HK$97,193
+HK$4,866/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$184,654/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,233
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$104,382
−HK$3,199/mo
Today · 4.125%
HK$107,581
baseline
▲ 0.50% · 4.625%
HK$114,128
+HK$6,547/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$215,162/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,621
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$115,641
−HK$3,065/mo
Today · 4.125%
HK$118,706
baseline
▲ 0.50% · 4.625%
HK$124,963
+HK$6,257/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$237,412/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,229 · Scale 2, in force from 26 Feb 2026)