LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,291
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,042
−HK$1,779/mo
Today · 4.125%
HK$59,821
baseline
▲ 0.50% · 4.625%
HK$63,461
+HK$3,640/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,642/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,623
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,303
−HK$1,703/mo
Today · 4.125%
HK$66,006
baseline
▲ 0.50% · 4.625%
HK$69,486
+HK$3,480/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$132,012/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,549
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,650
−HK$2,135/mo
Today · 4.125%
HK$71,785
baseline
▲ 0.50% · 4.625%
HK$76,153
+HK$4,368/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$143,570/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,049,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,148
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,163
−HK$2,045/mo
Today · 4.125%
HK$79,208
baseline
▲ 0.50% · 4.625%
HK$83,383
+HK$4,175/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$158,416/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,049,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,807
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$81,259
−HK$2,490/mo
Today · 4.125%
HK$83,749
baseline
▲ 0.50% · 4.625%
HK$88,845
+HK$5,096/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$167,498/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,672
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,024
−HK$2,385/mo
Today · 4.125%
HK$92,409
baseline
▲ 0.50% · 4.625%
HK$97,280
+HK$4,871/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$184,818/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,324
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$104,476
−HK$3,202/mo
Today · 4.125%
HK$107,678
baseline
▲ 0.50% · 4.625%
HK$114,230
+HK$6,552/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$215,356/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,722
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$115,745
−HK$3,067/mo
Today · 4.125%
HK$118,812
baseline
▲ 0.50% · 4.625%
HK$125,074
+HK$6,262/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$237,624/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,166 · Scale 2, in force from 26 Feb 2026)