LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,130
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,876
−HK$1,774/mo
Today · 4.125%
HK$59,650
baseline
▲ 0.50% · 4.625%
HK$63,280
+HK$3,630/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,300/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,046,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,444
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,119
−HK$1,699/mo
Today · 4.125%
HK$65,818
baseline
▲ 0.50% · 4.625%
HK$69,288
+HK$3,470/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,636/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,046,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,356
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,452
−HK$2,128/mo
Today · 4.125%
HK$71,580
baseline
▲ 0.50% · 4.625%
HK$75,936
+HK$4,356/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,160/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,933
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,943
−HK$2,039/mo
Today · 4.125%
HK$78,982
baseline
▲ 0.50% · 4.625%
HK$83,145
+HK$4,163/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$157,964/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,583
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,027
−HK$2,483/mo
Today · 4.125%
HK$83,510
baseline
▲ 0.50% · 4.625%
HK$88,592
+HK$5,082/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$167,020/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,422
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$89,767
−HK$2,378/mo
Today · 4.125%
HK$92,145
baseline
▲ 0.50% · 4.625%
HK$97,003
+HK$4,858/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$184,290/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,035
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$104,177
−HK$3,193/mo
Today · 4.125%
HK$107,370
baseline
▲ 0.50% · 4.625%
HK$113,904
+HK$6,534/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,740/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,400
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$115,415
−HK$3,058/mo
Today · 4.125%
HK$118,473
baseline
▲ 0.50% · 4.625%
HK$124,718
+HK$6,245/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,946/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,172 · Scale 2, in force from 26 Feb 2026)