LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,246
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,996
−HK$1,777/mo
Today · 4.125%
HK$59,773
baseline
▲ 0.50% · 4.625%
HK$63,410
+HK$3,637/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,546/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,573
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,251
−HK$1,703/mo
Today · 4.125%
HK$65,954
baseline
▲ 0.50% · 4.625%
HK$69,430
+HK$3,476/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,908/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,495
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,595
−HK$2,133/mo
Today · 4.125%
HK$71,728
baseline
▲ 0.50% · 4.625%
HK$76,092
+HK$4,364/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$143,456/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,088
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,102
−HK$2,043/mo
Today · 4.125%
HK$79,145
baseline
▲ 0.50% · 4.625%
HK$83,316
+HK$4,171/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$158,290/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,744
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,194
−HK$2,488/mo
Today · 4.125%
HK$83,682
baseline
▲ 0.50% · 4.625%
HK$88,774
+HK$5,092/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,364/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,602
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,952
−HK$2,383/mo
Today · 4.125%
HK$92,335
baseline
▲ 0.50% · 4.625%
HK$97,202
+HK$4,867/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,670/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,243
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$104,392
−HK$3,200/mo
Today · 4.125%
HK$107,592
baseline
▲ 0.50% · 4.625%
HK$114,138
+HK$6,546/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$215,184/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,632
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$115,652
−HK$3,065/mo
Today · 4.125%
HK$118,717
baseline
▲ 0.50% · 4.625%
HK$124,975
+HK$6,258/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$237,434/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,329 · Scale 2, in force from 26 Feb 2026)