LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,098
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,843
−HK$1,773/mo
Today · 4.125%
HK$59,616
baseline
▲ 0.50% · 4.625%
HK$63,244
+HK$3,628/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,232/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,409
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,083
−HK$1,698/mo
Today · 4.125%
HK$65,781
baseline
▲ 0.50% · 4.625%
HK$69,248
+HK$3,467/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,562/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,318
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,412
−HK$2,128/mo
Today · 4.125%
HK$71,540
baseline
▲ 0.50% · 4.625%
HK$75,893
+HK$4,353/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,080/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,891
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,899
−HK$2,038/mo
Today · 4.125%
HK$78,937
baseline
▲ 0.50% · 4.625%
HK$83,098
+HK$4,161/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,874/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,538
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,981
−HK$2,482/mo
Today · 4.125%
HK$83,463
baseline
▲ 0.50% · 4.625%
HK$88,541
+HK$5,078/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,926/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,373
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,716
−HK$2,377/mo
Today · 4.125%
HK$92,093
baseline
▲ 0.50% · 4.625%
HK$96,947
+HK$4,854/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,186/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,977
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$104,118
−HK$3,191/mo
Today · 4.125%
HK$107,309
baseline
▲ 0.50% · 4.625%
HK$113,839
+HK$6,530/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$214,618/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,336
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$115,349
−HK$3,056/mo
Today · 4.125%
HK$118,405
baseline
▲ 0.50% · 4.625%
HK$124,647
+HK$6,242/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$236,810/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,577 · Scale 2, in force from 26 Feb 2026)