LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,451
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,207
−HK$1,784/mo
Today · 4.125%
HK$59,991
baseline
▲ 0.50% · 4.625%
HK$63,641
+HK$3,650/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$119,982/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,801
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,485
−HK$1,709/mo
Today · 4.125%
HK$66,194
baseline
▲ 0.50% · 4.625%
HK$69,683
+HK$3,489/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,388/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,741
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,848
−HK$2,141/mo
Today · 4.125%
HK$71,989
baseline
▲ 0.50% · 4.625%
HK$76,370
+HK$4,381/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$143,978/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,052,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,361
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,383
−HK$2,050/mo
Today · 4.125%
HK$79,433
baseline
▲ 0.50% · 4.625%
HK$83,620
+HK$4,187/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$158,866/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,052,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,031
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,490
−HK$2,497/mo
Today · 4.125%
HK$83,987
baseline
▲ 0.50% · 4.625%
HK$89,098
+HK$5,111/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$167,974/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,922
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$90,280
−HK$2,392/mo
Today · 4.125%
HK$92,672
baseline
▲ 0.50% · 4.625%
HK$97,557
+HK$4,885/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$185,344/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,612
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$104,772
−HK$3,212/mo
Today · 4.125%
HK$107,984
baseline
▲ 0.50% · 4.625%
HK$114,554
+HK$6,570/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$215,968/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,042
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$116,074
−HK$3,075/mo
Today · 4.125%
HK$119,149
baseline
▲ 0.50% · 4.625%
HK$125,430
+HK$6,281/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$238,298/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,149 · Scale 2, in force from 26 Feb 2026)