LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,128
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,874
−HK$1,773/mo
Today · 4.125%
HK$59,647
baseline
▲ 0.50% · 4.625%
HK$63,277
+HK$3,630/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,294/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,046,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,441
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,116
−HK$1,699/mo
Today · 4.125%
HK$65,815
baseline
▲ 0.50% · 4.625%
HK$69,284
+HK$3,469/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,630/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,046,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,353
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,448
−HK$2,129/mo
Today · 4.125%
HK$71,577
baseline
▲ 0.50% · 4.625%
HK$75,932
+HK$4,355/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,154/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,930
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,939
−HK$2,039/mo
Today · 4.125%
HK$78,978
baseline
▲ 0.50% · 4.625%
HK$83,141
+HK$4,163/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$157,956/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,579
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,023
−HK$2,483/mo
Today · 4.125%
HK$83,506
baseline
▲ 0.50% · 4.625%
HK$88,588
+HK$5,082/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$167,012/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,418
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$89,763
−HK$2,378/mo
Today · 4.125%
HK$92,141
baseline
▲ 0.50% · 4.625%
HK$96,998
+HK$4,857/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$184,282/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,030
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$104,172
−HK$3,193/mo
Today · 4.125%
HK$107,365
baseline
▲ 0.50% · 4.625%
HK$113,898
+HK$6,533/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,730/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,395
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$115,409
−HK$3,058/mo
Today · 4.125%
HK$118,467
baseline
▲ 0.50% · 4.625%
HK$124,712
+HK$6,245/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,934/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,123 · Scale 2, in force from 26 Feb 2026)