LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,147
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,893
−HK$1,774/mo
Today · 4.125%
HK$59,667
baseline
▲ 0.50% · 4.625%
HK$63,298
+HK$3,631/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,334/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,462
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,138
−HK$1,699/mo
Today · 4.125%
HK$65,837
baseline
▲ 0.50% · 4.625%
HK$69,307
+HK$3,470/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,674/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,376
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,472
−HK$2,129/mo
Today · 4.125%
HK$71,601
baseline
▲ 0.50% · 4.625%
HK$75,958
+HK$4,357/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,202/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,955
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,965
−HK$2,040/mo
Today · 4.125%
HK$79,005
baseline
▲ 0.50% · 4.625%
HK$83,169
+HK$4,164/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$158,010/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,605
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$81,050
−HK$2,484/mo
Today · 4.125%
HK$83,534
baseline
▲ 0.50% · 4.625%
HK$88,617
+HK$5,083/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,068/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,447
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$89,793
−HK$2,379/mo
Today · 4.125%
HK$92,172
baseline
▲ 0.50% · 4.625%
HK$97,030
+HK$4,858/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,344/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,064
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$104,207
−HK$3,194/mo
Today · 4.125%
HK$107,401
baseline
▲ 0.50% · 4.625%
HK$113,936
+HK$6,535/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$214,802/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,432
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$115,448
−HK$3,059/mo
Today · 4.125%
HK$118,507
baseline
▲ 0.50% · 4.625%
HK$124,753
+HK$6,246/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$237,014/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,474 · Scale 2, in force from 26 Feb 2026)