LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,241
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,991
−HK$1,777/mo
Today · 4.125%
HK$59,768
baseline
▲ 0.50% · 4.625%
HK$63,405
+HK$3,637/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,536/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,568
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,246
−HK$1,702/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$1,048,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,489
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,589
−HK$2,133/mo
Today · 4.125%
HK$71,722
baseline
▲ 0.50% · 4.625%
HK$76,086
+HK$4,364/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$143,444/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,081
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,095
−HK$2,043/mo
Today · 4.125%
HK$79,138
baseline
▲ 0.50% · 4.625%
HK$83,309
+HK$4,171/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$158,276/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,738
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,187
−HK$2,488/mo
Today · 4.125%
HK$83,675
baseline
▲ 0.50% · 4.625%
HK$88,767
+HK$5,092/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,350/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,595
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$89,944
−HK$2,383/mo
Today · 4.125%
HK$92,327
baseline
▲ 0.50% · 4.625%
HK$97,194
+HK$4,867/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,654/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,234
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$104,383
−HK$3,199/mo
Today · 4.125%
HK$107,582
baseline
▲ 0.50% · 4.625%
HK$114,129
+HK$6,547/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$215,164/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,622
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$115,642
−HK$3,065/mo
Today · 4.125%
HK$118,707
baseline
▲ 0.50% · 4.625%
HK$124,964
+HK$6,257/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$237,414/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,238 · Scale 2, in force from 26 Feb 2026)