LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,119
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,864
−HK$1,774/mo
Today · 4.125%
HK$59,638
baseline
▲ 0.50% · 4.625%
HK$63,267
+HK$3,629/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,276/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,432
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,106
−HK$1,699/mo
Today · 4.125%
HK$65,805
baseline
▲ 0.50% · 4.625%
HK$69,273
+HK$3,468/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,610/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,342
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,437
−HK$2,128/mo
Today · 4.125%
HK$71,565
baseline
▲ 0.50% · 4.625%
HK$75,920
+HK$4,355/mo
Deposit HK$9.84M · loan HK$14.77M · min. income ≈ HK$143,130/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,918
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,927
−HK$2,038/mo
Today · 4.125%
HK$78,965
baseline
▲ 0.50% · 4.625%
HK$83,128
+HK$4,163/mo
Deposit HK$9.84M · loan HK$14.77M · min. income ≈ HK$157,930/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,566
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,010
−HK$2,483/mo
Today · 4.125%
HK$83,493
baseline
▲ 0.50% · 4.625%
HK$88,573
+HK$5,080/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$166,986/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,404
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,748
−HK$2,378/mo
Today · 4.125%
HK$92,126
baseline
▲ 0.50% · 4.625%
HK$96,982
+HK$4,856/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$184,252/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,014
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$104,156
−HK$3,192/mo
Today · 4.125%
HK$107,348
baseline
▲ 0.50% · 4.625%
HK$113,880
+HK$6,532/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,696/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,377
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$115,391
−HK$3,057/mo
Today · 4.125%
HK$118,448
baseline
▲ 0.50% · 4.625%
HK$124,692
+HK$6,244/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,896/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,956 · Scale 2, in force from 26 Feb 2026)