LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,131
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,877
−HK$1,774/mo
Today · 4.125%
HK$59,651
baseline
▲ 0.50% · 4.625%
HK$63,281
+HK$3,630/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,302/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,046,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,445
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,120
−HK$1,699/mo
Today · 4.125%
HK$65,819
baseline
▲ 0.50% · 4.625%
HK$69,288
+HK$3,469/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,638/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,046,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,357
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,452
−HK$2,129/mo
Today · 4.125%
HK$71,581
baseline
▲ 0.50% · 4.625%
HK$75,937
+HK$4,356/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,162/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,934
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,944
−HK$2,039/mo
Today · 4.125%
HK$78,983
baseline
▲ 0.50% · 4.625%
HK$83,146
+HK$4,163/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$157,966/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,583
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,028
−HK$2,483/mo
Today · 4.125%
HK$83,511
baseline
▲ 0.50% · 4.625%
HK$88,593
+HK$5,082/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$167,022/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,423
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,768
−HK$2,379/mo
Today · 4.125%
HK$92,147
baseline
▲ 0.50% · 4.625%
HK$97,004
+HK$4,857/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$184,294/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,036
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$104,179
−HK$3,193/mo
Today · 4.125%
HK$107,372
baseline
▲ 0.50% · 4.625%
HK$113,905
+HK$6,533/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,744/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,401
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$115,416
−HK$3,058/mo
Today · 4.125%
HK$118,474
baseline
▲ 0.50% · 4.625%
HK$124,719
+HK$6,245/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,948/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,185 · Scale 2, in force from 26 Feb 2026)