LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,122
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,867
−HK$1,774/mo
Today · 4.125%
HK$59,641
baseline
▲ 0.50% · 4.625%
HK$63,270
+HK$3,629/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,282/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,046,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,435
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,109
−HK$1,699/mo
Today · 4.125%
HK$65,808
baseline
▲ 0.50% · 4.625%
HK$69,277
+HK$3,469/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,616/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,046,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,346
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,441
−HK$2,128/mo
Today · 4.125%
HK$71,569
baseline
▲ 0.50% · 4.625%
HK$75,924
+HK$4,355/mo
Deposit HK$9.84M · loan HK$14.77M · min. income ≈ HK$143,138/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,922
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,931
−HK$2,039/mo
Today · 4.125%
HK$78,970
baseline
▲ 0.50% · 4.625%
HK$83,132
+HK$4,162/mo
Deposit HK$9.84M · loan HK$14.77M · min. income ≈ HK$157,940/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,570
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,014
−HK$2,483/mo
Today · 4.125%
HK$83,497
baseline
▲ 0.50% · 4.625%
HK$88,578
+HK$5,081/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$166,994/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,409
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,753
−HK$2,378/mo
Today · 4.125%
HK$92,131
baseline
▲ 0.50% · 4.625%
HK$96,988
+HK$4,857/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$184,262/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,019
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$104,161
−HK$3,193/mo
Today · 4.125%
HK$107,354
baseline
▲ 0.50% · 4.625%
HK$113,886
+HK$6,532/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,708/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,383
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$115,397
−HK$3,057/mo
Today · 4.125%
HK$118,454
baseline
▲ 0.50% · 4.625%
HK$124,698
+HK$6,244/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,908/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,011 · Scale 2, in force from 26 Feb 2026)