LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,139
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,886
−HK$1,774/mo
Today · 4.125%
HK$59,660
baseline
▲ 0.50% · 4.625%
HK$63,290
+HK$3,630/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,320/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,454
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,129
−HK$1,700/mo
Today · 4.125%
HK$65,829
baseline
▲ 0.50% · 4.625%
HK$69,299
+HK$3,470/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,658/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,367
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,463
−HK$2,129/mo
Today · 4.125%
HK$71,592
baseline
▲ 0.50% · 4.625%
HK$75,948
+HK$4,356/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,184/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,339 · 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$83,158
+HK$4,164/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$1,046,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,595
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$81,040
−HK$2,484/mo
Today · 4.125%
HK$83,524
baseline
▲ 0.50% · 4.625%
HK$88,606
+HK$5,082/mo
Deposit HK$7.39M · loan HK$17.23M · min. income ≈ HK$167,048/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,436
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,781
−HK$2,379/mo
Today · 4.125%
HK$92,160
baseline
▲ 0.50% · 4.625%
HK$97,018
+HK$4,858/mo
Deposit HK$7.39M · loan HK$17.23M · min. income ≈ HK$184,320/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,051
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$104,194
−HK$3,194/mo
Today · 4.125%
HK$107,388
baseline
▲ 0.50% · 4.625%
HK$113,922
+HK$6,534/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$214,776/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,418
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$115,433
−HK$3,059/mo
Today · 4.125%
HK$118,492
baseline
▲ 0.50% · 4.625%
HK$124,737
+HK$6,245/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$236,984/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,339 · Scale 2, in force from 26 Feb 2026)