LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,143
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,889
−HK$1,775/mo
Today · 4.125%
HK$59,664
baseline
▲ 0.50% · 4.625%
HK$63,294
+HK$3,630/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,328/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,459
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,134
−HK$1,699/mo
Today · 4.125%
HK$65,833
baseline
▲ 0.50% · 4.625%
HK$69,303
+HK$3,470/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,666/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,372
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,467
−HK$2,129/mo
Today · 4.125%
HK$71,596
baseline
▲ 0.50% · 4.625%
HK$75,953
+HK$4,357/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,192/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,950
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,960
−HK$2,040/mo
Today · 4.125%
HK$79,000
baseline
▲ 0.50% · 4.625%
HK$83,164
+HK$4,164/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$158,000/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,600
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$81,045
−HK$2,484/mo
Today · 4.125%
HK$83,529
baseline
▲ 0.50% · 4.625%
HK$88,612
+HK$5,083/mo
Deposit HK$7.39M · loan HK$17.23M · min. income ≈ HK$167,058/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,442
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,787
−HK$2,379/mo
Today · 4.125%
HK$92,166
baseline
▲ 0.50% · 4.625%
HK$97,024
+HK$4,858/mo
Deposit HK$7.39M · loan HK$17.23M · min. income ≈ HK$184,332/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,057
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$104,201
−HK$3,194/mo
Today · 4.125%
HK$107,395
baseline
▲ 0.50% · 4.625%
HK$113,929
+HK$6,534/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$214,790/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,425
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$115,441
−HK$3,058/mo
Today · 4.125%
HK$118,499
baseline
▲ 0.50% · 4.625%
HK$124,746
+HK$6,247/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$236,998/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,409 · Scale 2, in force from 26 Feb 2026)