LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,275
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,026
−HK$1,778/mo
Today · 4.125%
HK$59,804
baseline
▲ 0.50% · 4.625%
HK$63,443
+HK$3,639/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,608/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,606
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,285
−HK$1,703/mo
Today · 4.125%
HK$65,988
baseline
▲ 0.50% · 4.625%
HK$69,466
+HK$3,478/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$131,976/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,530
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,631
−HK$2,134/mo
Today · 4.125%
HK$71,765
baseline
▲ 0.50% · 4.625%
HK$76,132
+HK$4,367/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$143,530/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,127
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,142
−HK$2,044/mo
Today · 4.125%
HK$79,186
baseline
▲ 0.50% · 4.625%
HK$83,359
+HK$4,173/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$158,372/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,785
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$81,236
−HK$2,490/mo
Today · 4.125%
HK$83,726
baseline
▲ 0.50% · 4.625%
HK$88,820
+HK$5,094/mo
Deposit HK$7.40M · loan HK$17.28M · min. income ≈ HK$167,452/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,648
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$89,998
−HK$2,385/mo
Today · 4.125%
HK$92,383
baseline
▲ 0.50% · 4.625%
HK$97,253
+HK$4,870/mo
Deposit HK$7.40M · loan HK$17.28M · min. income ≈ HK$184,766/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,295
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$104,446
−HK$3,201/mo
Today · 4.125%
HK$107,647
baseline
▲ 0.50% · 4.625%
HK$114,197
+HK$6,550/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$215,294/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,690
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$115,712
−HK$3,066/mo
Today · 4.125%
HK$118,778
baseline
▲ 0.50% · 4.625%
HK$125,039
+HK$6,261/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$237,556/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,871 · Scale 2, in force from 26 Feb 2026)