LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,247
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,997
−HK$1,777/mo
Today · 4.125%
HK$59,774
baseline
▲ 0.50% · 4.625%
HK$63,411
+HK$3,637/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,548/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,574
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,252
−HK$1,703/mo
Today · 4.125%
HK$65,955
baseline
▲ 0.50% · 4.625%
HK$69,431
+HK$3,476/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,910/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,496
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,596
−HK$2,133/mo
Today · 4.125%
HK$71,729
baseline
▲ 0.50% · 4.625%
HK$76,093
+HK$4,364/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$143,458/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,089
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,103
−HK$2,043/mo
Today · 4.125%
HK$79,146
baseline
▲ 0.50% · 4.625%
HK$83,318
+HK$4,172/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$158,292/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,746
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,195
−HK$2,489/mo
Today · 4.125%
HK$83,684
baseline
▲ 0.50% · 4.625%
HK$88,776
+HK$5,092/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,368/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,604
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,953
−HK$2,384/mo
Today · 4.125%
HK$92,337
baseline
▲ 0.50% · 4.625%
HK$97,204
+HK$4,867/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,674/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,244
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$104,394
−HK$3,199/mo
Today · 4.125%
HK$107,593
baseline
▲ 0.50% · 4.625%
HK$114,140
+HK$6,547/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$215,186/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,633
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$115,654
−HK$3,065/mo
Today · 4.125%
HK$118,719
baseline
▲ 0.50% · 4.625%
HK$124,977
+HK$6,258/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$237,438/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,345 · Scale 2, in force from 26 Feb 2026)