LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,251
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$58,001
−HK$1,777/mo
Today · 4.125%
HK$59,778
baseline
▲ 0.50% · 4.625%
HK$63,416
+HK$3,638/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,556/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,579
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,257
−HK$1,703/mo
Today · 4.125%
HK$65,960
baseline
▲ 0.50% · 4.625%
HK$69,436
+HK$3,476/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,920/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,501
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,601
−HK$2,133/mo
Today · 4.125%
HK$71,734
baseline
▲ 0.50% · 4.625%
HK$76,099
+HK$4,365/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$143,468/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,094
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,108
−HK$2,044/mo
Today · 4.125%
HK$79,152
baseline
▲ 0.50% · 4.625%
HK$83,324
+HK$4,172/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$158,304/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,751
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,201
−HK$2,489/mo
Today · 4.125%
HK$83,690
baseline
▲ 0.50% · 4.625%
HK$88,782
+HK$5,092/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,380/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,610
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$89,960
−HK$2,384/mo
Today · 4.125%
HK$92,344
baseline
▲ 0.50% · 4.625%
HK$97,211
+HK$4,867/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,688/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,252
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$104,401
−HK$3,200/mo
Today · 4.125%
HK$107,601
baseline
▲ 0.50% · 4.625%
HK$114,149
+HK$6,548/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$215,202/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,642
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$115,663
−HK$3,064/mo
Today · 4.125%
HK$118,727
baseline
▲ 0.50% · 4.625%
HK$124,986
+HK$6,259/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$237,454/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,422 · Scale 2, in force from 26 Feb 2026)