LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,296
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,047
−HK$1,779/mo
Today · 4.125%
HK$59,826
baseline
▲ 0.50% · 4.625%
HK$63,466
+HK$3,640/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,652/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,629
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,308
−HK$1,704/mo
Today · 4.125%
HK$66,012
baseline
▲ 0.50% · 4.625%
HK$69,492
+HK$3,480/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$132,024/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,555
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,656
−HK$2,135/mo
Today · 4.125%
HK$71,791
baseline
▲ 0.50% · 4.625%
HK$76,160
+HK$4,369/mo
Deposit HK$9.88M · loan HK$14.81M · min. income ≈ HK$143,582/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,049,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,154
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,170
−HK$2,045/mo
Today · 4.125%
HK$79,215
baseline
▲ 0.50% · 4.625%
HK$83,390
+HK$4,175/mo
Deposit HK$9.88M · loan HK$14.81M · min. income ≈ HK$158,430/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,049,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,814
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,266
−HK$2,491/mo
Today · 4.125%
HK$83,757
baseline
▲ 0.50% · 4.625%
HK$88,853
+HK$5,096/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$167,514/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,680
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,032
−HK$2,385/mo
Today · 4.125%
HK$92,417
baseline
▲ 0.50% · 4.625%
HK$97,289
+HK$4,872/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$184,834/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,333
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$104,485
−HK$3,202/mo
Today · 4.125%
HK$107,687
baseline
▲ 0.50% · 4.625%
HK$114,240
+HK$6,553/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$215,374/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,732
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$115,755
−HK$3,067/mo
Today · 4.125%
HK$118,822
baseline
▲ 0.50% · 4.625%
HK$125,085
+HK$6,263/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$237,644/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,258 · Scale 2, in force from 26 Feb 2026)