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$63,411
+HK$3,638/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$1,048,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,573
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,252
−HK$1,702/mo
Today · 4.125%
HK$65,954
baseline
▲ 0.50% · 4.625%
HK$69,431
+HK$3,477/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$1,048,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,496
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,595
−HK$2,133/mo
Today · 4.125%
HK$71,728
baseline
▲ 0.50% · 4.625%
HK$76,093
+HK$4,365/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$1,048,333 · 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$83,317
+HK$4,172/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$1,048,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,745
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,194
−HK$2,489/mo
Today · 4.125%
HK$83,683
baseline
▲ 0.50% · 4.625%
HK$88,775
+HK$5,092/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,366/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,603
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,952
−HK$2,384/mo
Today · 4.125%
HK$92,336
baseline
▲ 0.50% · 4.625%
HK$97,203
+HK$4,867/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,672/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,243
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$104,393
−HK$3,199/mo
Today · 4.125%
HK$107,592
baseline
▲ 0.50% · 4.625%
HK$114,139
+HK$6,547/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$1,048,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,632
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$115,653
−HK$3,064/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$1,048,333 · Scale 2, in force from 26 Feb 2026)