LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,257
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,007
−HK$1,778/mo
Today · 4.125%
HK$59,785
baseline
▲ 0.50% · 4.625%
HK$63,423
+HK$3,638/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,570/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,586
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,264
−HK$1,703/mo
Today · 4.125%
HK$65,967
baseline
▲ 0.50% · 4.625%
HK$69,444
+HK$3,477/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$131,934/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,509
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,608
−HK$2,134/mo
Today · 4.125%
HK$71,742
baseline
▲ 0.50% · 4.625%
HK$76,107
+HK$4,365/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$143,484/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,103
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,117
−HK$2,043/mo
Today · 4.125%
HK$79,160
baseline
▲ 0.50% · 4.625%
HK$83,333
+HK$4,173/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$158,320/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,760
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,210
−HK$2,489/mo
Today · 4.125%
HK$83,699
baseline
▲ 0.50% · 4.625%
HK$88,792
+HK$5,093/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,398/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,620
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$89,970
−HK$2,384/mo
Today · 4.125%
HK$92,354
baseline
▲ 0.50% · 4.625%
HK$97,222
+HK$4,868/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,708/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,263
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$104,413
−HK$3,200/mo
Today · 4.125%
HK$107,613
baseline
▲ 0.50% · 4.625%
HK$114,161
+HK$6,548/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$215,226/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,654
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$115,675
−HK$3,065/mo
Today · 4.125%
HK$118,740
baseline
▲ 0.50% · 4.625%
HK$124,999
+HK$6,259/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$237,480/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,536 · Scale 2, in force from 26 Feb 2026)