LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,139
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,885
−HK$1,774/mo
Today · 4.125%
HK$59,659
baseline
▲ 0.50% · 4.625%
HK$63,289
+HK$3,630/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,318/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,454
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,129
−HK$1,699/mo
Today · 4.125%
HK$65,828
baseline
▲ 0.50% · 4.625%
HK$69,298
+HK$3,470/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,656/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,366
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,462
−HK$2,129/mo
Today · 4.125%
HK$71,591
baseline
▲ 0.50% · 4.625%
HK$75,947
+HK$4,356/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,182/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,945
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,955
−HK$2,039/mo
Today · 4.125%
HK$78,994
baseline
▲ 0.50% · 4.625%
HK$83,157
+HK$4,163/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$157,988/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,594
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$81,039
−HK$2,484/mo
Today · 4.125%
HK$83,523
baseline
▲ 0.50% · 4.625%
HK$88,605
+HK$5,082/mo
Deposit HK$7.39M · loan HK$17.23M · min. income ≈ HK$167,046/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,435
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,780
−HK$2,379/mo
Today · 4.125%
HK$92,159
baseline
▲ 0.50% · 4.625%
HK$97,017
+HK$4,858/mo
Deposit HK$7.39M · loan HK$17.23M · min. income ≈ HK$184,318/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,050
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$104,193
−HK$3,193/mo
Today · 4.125%
HK$107,386
baseline
▲ 0.50% · 4.625%
HK$113,921
+HK$6,535/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$214,772/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,417
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$115,432
−HK$3,058/mo
Today · 4.125%
HK$118,490
baseline
▲ 0.50% · 4.625%
HK$124,736
+HK$6,246/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$236,980/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,328 · Scale 2, in force from 26 Feb 2026)