LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,285
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,036
−HK$1,778/mo
Today · 4.125%
HK$59,814
baseline
▲ 0.50% · 4.625%
HK$63,454
+HK$3,640/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,628/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,616
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,296
−HK$1,703/mo
Today · 4.125%
HK$65,999
baseline
▲ 0.50% · 4.625%
HK$69,478
+HK$3,479/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$131,998/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,542
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,643
−HK$2,134/mo
Today · 4.125%
HK$71,777
baseline
▲ 0.50% · 4.625%
HK$76,145
+HK$4,368/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$143,554/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,049,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,140
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,155
−HK$2,044/mo
Today · 4.125%
HK$79,199
baseline
▲ 0.50% · 4.625%
HK$83,374
+HK$4,175/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$158,398/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,049,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,799
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$81,250
−HK$2,490/mo
Today · 4.125%
HK$83,740
baseline
▲ 0.50% · 4.625%
HK$88,836
+HK$5,096/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$167,480/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,049,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,663
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$90,014
−HK$2,385/mo
Today · 4.125%
HK$92,399
baseline
▲ 0.50% · 4.625%
HK$97,270
+HK$4,871/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$184,798/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,049,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,313
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$104,464
−HK$3,202/mo
Today · 4.125%
HK$107,666
baseline
▲ 0.50% · 4.625%
HK$114,217
+HK$6,551/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$215,332/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,709
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$115,732
−HK$3,067/mo
Today · 4.125%
HK$118,799
baseline
▲ 0.50% · 4.625%
HK$125,061
+HK$6,262/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$237,598/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,052 · Scale 2, in force from 26 Feb 2026)