LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,116
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,861
−HK$1,774/mo
Today · 4.125%
HK$59,635
baseline
▲ 0.50% · 4.625%
HK$63,264
+HK$3,629/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,270/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,428
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,103
−HK$1,698/mo
Today · 4.125%
HK$65,801
baseline
▲ 0.50% · 4.625%
HK$69,270
+HK$3,469/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,602/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,339
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,434
−HK$2,128/mo
Today · 4.125%
HK$71,562
baseline
▲ 0.50% · 4.625%
HK$75,916
+HK$4,354/mo
Deposit HK$9.84M · loan HK$14.77M · min. income ≈ HK$143,124/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,914
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,923
−HK$2,038/mo
Today · 4.125%
HK$78,961
baseline
▲ 0.50% · 4.625%
HK$83,124
+HK$4,163/mo
Deposit HK$9.84M · loan HK$14.77M · min. income ≈ HK$157,922/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,562
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,006
−HK$2,483/mo
Today · 4.125%
HK$83,489
baseline
▲ 0.50% · 4.625%
HK$88,569
+HK$5,080/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$166,978/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,400
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,744
−HK$2,378/mo
Today · 4.125%
HK$92,122
baseline
▲ 0.50% · 4.625%
HK$96,978
+HK$4,856/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$184,244/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,009
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$104,151
−HK$3,192/mo
Today · 4.125%
HK$107,343
baseline
▲ 0.50% · 4.625%
HK$113,874
+HK$6,531/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,686/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,371
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$115,385
−HK$3,057/mo
Today · 4.125%
HK$118,442
baseline
▲ 0.50% · 4.625%
HK$124,685
+HK$6,243/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,884/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,903 · Scale 2, in force from 26 Feb 2026)