LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,265
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,016
−HK$1,778/mo
Today · 4.125%
HK$59,794
baseline
▲ 0.50% · 4.625%
HK$63,432
+HK$3,638/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,588/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,595
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,274
−HK$1,703/mo
Today · 4.125%
HK$65,977
baseline
▲ 0.50% · 4.625%
HK$69,454
+HK$3,477/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$131,954/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,519
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,619
−HK$2,134/mo
Today · 4.125%
HK$71,753
baseline
▲ 0.50% · 4.625%
HK$76,119
+HK$4,366/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$143,506/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,114
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,128
−HK$2,044/mo
Today · 4.125%
HK$79,172
baseline
▲ 0.50% · 4.625%
HK$83,345
+HK$4,173/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$158,344/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,772
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,222
−HK$2,489/mo
Today · 4.125%
HK$83,711
baseline
▲ 0.50% · 4.625%
HK$88,805
+HK$5,094/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,422/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,633
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$89,983
−HK$2,384/mo
Today · 4.125%
HK$92,367
baseline
▲ 0.50% · 4.625%
HK$97,236
+HK$4,869/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,734/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,278
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$104,428
−HK$3,201/mo
Today · 4.125%
HK$107,629
baseline
▲ 0.50% · 4.625%
HK$114,178
+HK$6,549/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$215,258/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,671
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$115,692
−HK$3,066/mo
Today · 4.125%
HK$118,758
baseline
▲ 0.50% · 4.625%
HK$125,018
+HK$6,260/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$237,516/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,691 · Scale 2, in force from 26 Feb 2026)