LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,150
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,897
−HK$1,774/mo
Today · 4.125%
HK$59,671
baseline
▲ 0.50% · 4.625%
HK$63,302
+HK$3,631/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,342/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,466
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,142
−HK$1,699/mo
Today · 4.125%
HK$65,841
baseline
▲ 0.50% · 4.625%
HK$69,312
+HK$3,471/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,682/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,380
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,476
−HK$2,129/mo
Today · 4.125%
HK$71,605
baseline
▲ 0.50% · 4.625%
HK$75,962
+HK$4,357/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,210/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,960
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,970
−HK$2,039/mo
Today · 4.125%
HK$79,009
baseline
▲ 0.50% · 4.625%
HK$83,174
+HK$4,165/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$158,018/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,610
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$81,055
−HK$2,484/mo
Today · 4.125%
HK$83,539
baseline
▲ 0.50% · 4.625%
HK$88,623
+HK$5,084/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,078/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,453
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$89,798
−HK$2,380/mo
Today · 4.125%
HK$92,178
baseline
▲ 0.50% · 4.625%
HK$97,036
+HK$4,858/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,356/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,070
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$104,214
−HK$3,194/mo
Today · 4.125%
HK$107,408
baseline
▲ 0.50% · 4.625%
HK$113,943
+HK$6,535/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$214,816/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,439
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$115,455
−HK$3,059/mo
Today · 4.125%
HK$118,514
baseline
▲ 0.50% · 4.625%
HK$124,761
+HK$6,247/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$237,028/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,538 · Scale 2, in force from 26 Feb 2026)