LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,284
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,034
−HK$1,779/mo
Today · 4.125%
HK$59,813
baseline
▲ 0.50% · 4.625%
HK$63,453
+HK$3,640/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,626/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,615
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,294
−HK$1,704/mo
Today · 4.125%
HK$65,998
baseline
▲ 0.50% · 4.625%
HK$69,477
+HK$3,479/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$131,996/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,541
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,641
−HK$2,135/mo
Today · 4.125%
HK$71,776
baseline
▲ 0.50% · 4.625%
HK$76,143
+HK$4,367/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$143,552/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,049,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,138
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,153
−HK$2,045/mo
Today · 4.125%
HK$79,198
baseline
▲ 0.50% · 4.625%
HK$83,372
+HK$4,174/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$158,396/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,049,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,797
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$81,248
−HK$2,491/mo
Today · 4.125%
HK$83,739
baseline
▲ 0.50% · 4.625%
HK$88,834
+HK$5,095/mo
Deposit HK$7.40M · loan HK$17.28M · min. income ≈ HK$167,478/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,049,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,661
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$90,012
−HK$2,385/mo
Today · 4.125%
HK$92,397
baseline
▲ 0.50% · 4.625%
HK$97,268
+HK$4,871/mo
Deposit HK$7.40M · loan HK$17.28M · min. income ≈ HK$184,794/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,049,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,311
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$104,462
−HK$3,202/mo
Today · 4.125%
HK$107,664
baseline
▲ 0.50% · 4.625%
HK$114,215
+HK$6,551/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$215,328/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,707
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$115,730
−HK$3,066/mo
Today · 4.125%
HK$118,796
baseline
▲ 0.50% · 4.625%
HK$125,058
+HK$6,262/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$237,592/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,031 · Scale 2, in force from 26 Feb 2026)