LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,112
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,857
−HK$1,773/mo
Today · 4.125%
HK$59,630
baseline
▲ 0.50% · 4.625%
HK$63,259
+HK$3,629/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,260/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,424
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,098
−HK$1,698/mo
Today · 4.125%
HK$65,796
baseline
▲ 0.50% · 4.625%
HK$69,264
+HK$3,468/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,592/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,334
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,428
−HK$2,128/mo
Today · 4.125%
HK$71,556
baseline
▲ 0.50% · 4.625%
HK$75,910
+HK$4,354/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,112/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,908
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,917
−HK$2,038/mo
Today · 4.125%
HK$78,955
baseline
▲ 0.50% · 4.625%
HK$83,117
+HK$4,162/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,910/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,556
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$81,000
−HK$2,482/mo
Today · 4.125%
HK$83,482
baseline
▲ 0.50% · 4.625%
HK$88,562
+HK$5,080/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$166,964/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,393
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,737
−HK$2,378/mo
Today · 4.125%
HK$92,115
baseline
▲ 0.50% · 4.625%
HK$96,970
+HK$4,855/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$184,230/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,001
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$104,143
−HK$3,192/mo
Today · 4.125%
HK$107,335
baseline
▲ 0.50% · 4.625%
HK$113,866
+HK$6,531/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,670/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,362
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$115,376
−HK$3,057/mo
Today · 4.125%
HK$118,433
baseline
▲ 0.50% · 4.625%
HK$124,676
+HK$6,243/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,866/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,823 · Scale 2, in force from 26 Feb 2026)