LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,302
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,053
−HK$1,779/mo
Today · 4.125%
HK$59,832
baseline
▲ 0.50% · 4.625%
HK$63,473
+HK$3,641/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,664/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,635
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,315
−HK$1,704/mo
Today · 4.125%
HK$66,019
baseline
▲ 0.50% · 4.625%
HK$69,499
+HK$3,480/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,038/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,562
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,663
−HK$2,136/mo
Today · 4.125%
HK$71,799
baseline
▲ 0.50% · 4.625%
HK$76,167
+HK$4,368/mo
Deposit HK$9.88M · loan HK$14.81M · min. income ≈ HK$143,598/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,162
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,178
−HK$2,045/mo
Today · 4.125%
HK$79,223
baseline
▲ 0.50% · 4.625%
HK$83,399
+HK$4,176/mo
Deposit HK$9.88M · loan HK$14.81M · min. income ≈ HK$158,446/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,822
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,274
−HK$2,491/mo
Today · 4.125%
HK$83,765
baseline
▲ 0.50% · 4.625%
HK$88,862
+HK$5,097/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$167,530/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,689
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,041
−HK$2,385/mo
Today · 4.125%
HK$92,426
baseline
▲ 0.50% · 4.625%
HK$97,298
+HK$4,872/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$184,852/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,343
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$104,495
−HK$3,203/mo
Today · 4.125%
HK$107,698
baseline
▲ 0.50% · 4.625%
HK$114,251
+HK$6,553/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$215,396/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,743
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$115,767
−HK$3,067/mo
Today · 4.125%
HK$118,834
baseline
▲ 0.50% · 4.625%
HK$125,098
+HK$6,264/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$237,668/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,363 · Scale 2, in force from 26 Feb 2026)