LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,124
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,870
−HK$1,774/mo
Today · 4.125%
HK$59,644
baseline
▲ 0.50% · 4.625%
HK$63,273
+HK$3,629/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,288/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,046,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,438
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,112
−HK$1,699/mo
Today · 4.125%
HK$65,811
baseline
▲ 0.50% · 4.625%
HK$69,280
+HK$3,469/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,622/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,046,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,349
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,444
−HK$2,128/mo
Today · 4.125%
HK$71,572
baseline
▲ 0.50% · 4.625%
HK$75,928
+HK$4,356/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,144/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,925
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,935
−HK$2,038/mo
Today · 4.125%
HK$78,973
baseline
▲ 0.50% · 4.625%
HK$83,136
+HK$4,163/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$157,946/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,574
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,018
−HK$2,483/mo
Today · 4.125%
HK$83,501
baseline
▲ 0.50% · 4.625%
HK$88,582
+HK$5,081/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$167,002/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,413
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,757
−HK$2,378/mo
Today · 4.125%
HK$92,135
baseline
▲ 0.50% · 4.625%
HK$96,992
+HK$4,857/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$184,270/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,024
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$104,166
−HK$3,193/mo
Today · 4.125%
HK$107,359
baseline
▲ 0.50% · 4.625%
HK$113,891
+HK$6,532/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,718/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,388
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$115,402
−HK$3,058/mo
Today · 4.125%
HK$118,460
baseline
▲ 0.50% · 4.625%
HK$124,704
+HK$6,244/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,920/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,059 · Scale 2, in force from 26 Feb 2026)