LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,245
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,994
−HK$1,778/mo
Today · 4.125%
HK$59,772
baseline
▲ 0.50% · 4.625%
HK$63,409
+HK$3,637/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,544/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,572
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,250
−HK$1,702/mo
Today · 4.125%
HK$65,952
baseline
▲ 0.50% · 4.625%
HK$69,429
+HK$3,477/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,904/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,494
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,593
−HK$2,133/mo
Today · 4.125%
HK$71,726
baseline
▲ 0.50% · 4.625%
HK$76,091
+HK$4,365/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$143,452/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,086
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,100
−HK$2,043/mo
Today · 4.125%
HK$79,143
baseline
▲ 0.50% · 4.625%
HK$83,315
+HK$4,172/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$158,286/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,743
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,192
−HK$2,489/mo
Today · 4.125%
HK$83,681
baseline
▲ 0.50% · 4.625%
HK$88,772
+HK$5,091/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,362/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,601
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$89,950
−HK$2,383/mo
Today · 4.125%
HK$92,333
baseline
▲ 0.50% · 4.625%
HK$97,200
+HK$4,867/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,666/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,241
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$104,390
−HK$3,199/mo
Today · 4.125%
HK$107,589
baseline
▲ 0.50% · 4.625%
HK$114,136
+HK$6,547/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$215,178/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,629
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$115,650
−HK$3,064/mo
Today · 4.125%
HK$118,714
baseline
▲ 0.50% · 4.625%
HK$124,972
+HK$6,258/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$237,428/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,306 · Scale 2, in force from 26 Feb 2026)