LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,138
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,884
−HK$1,774/mo
Today · 4.125%
HK$59,658
baseline
▲ 0.50% · 4.625%
HK$63,288
+HK$3,630/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,316/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,452
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,127
−HK$1,700/mo
Today · 4.125%
HK$65,827
baseline
▲ 0.50% · 4.625%
HK$69,296
+HK$3,469/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,654/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,365
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,460
−HK$2,129/mo
Today · 4.125%
HK$71,589
baseline
▲ 0.50% · 4.625%
HK$75,945
+HK$4,356/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,178/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,943
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,953
−HK$2,039/mo
Today · 4.125%
HK$78,992
baseline
▲ 0.50% · 4.625%
HK$83,156
+HK$4,164/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$157,984/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,593
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,037
−HK$2,484/mo
Today · 4.125%
HK$83,521
baseline
▲ 0.50% · 4.625%
HK$88,603
+HK$5,082/mo
Deposit HK$7.39M · loan HK$17.23M · min. income ≈ HK$167,042/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,433
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,778
−HK$2,379/mo
Today · 4.125%
HK$92,157
baseline
▲ 0.50% · 4.625%
HK$97,015
+HK$4,858/mo
Deposit HK$7.39M · loan HK$17.23M · min. income ≈ HK$184,314/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,048
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$104,191
−HK$3,193/mo
Today · 4.125%
HK$107,384
baseline
▲ 0.50% · 4.625%
HK$113,918
+HK$6,534/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$214,768/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,414
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$115,429
−HK$3,059/mo
Today · 4.125%
HK$118,488
baseline
▲ 0.50% · 4.625%
HK$124,733
+HK$6,245/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$236,976/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,306 · Scale 2, in force from 26 Feb 2026)