LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,156
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,903
−HK$1,775/mo
Today · 4.125%
HK$59,678
baseline
▲ 0.50% · 4.625%
HK$63,309
+HK$3,631/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,356/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,473
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,149
−HK$1,699/mo
Today · 4.125%
HK$65,848
baseline
▲ 0.50% · 4.625%
HK$69,319
+HK$3,471/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,696/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,387
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$69,483
−HK$2,130/mo
Today · 4.125%
HK$71,613
baseline
▲ 0.50% · 4.625%
HK$75,971
+HK$4,358/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,226/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,968
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,978
−HK$2,040/mo
Today · 4.125%
HK$79,018
baseline
▲ 0.50% · 4.625%
HK$83,183
+HK$4,165/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,036/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,619
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$81,064
−HK$2,485/mo
Today · 4.125%
HK$83,549
baseline
▲ 0.50% · 4.625%
HK$88,632
+HK$5,083/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,098/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,462
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,808
−HK$2,380/mo
Today · 4.125%
HK$92,188
baseline
▲ 0.50% · 4.625%
HK$97,047
+HK$4,859/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,376/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,081
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$104,225
−HK$3,195/mo
Today · 4.125%
HK$107,420
baseline
▲ 0.50% · 4.625%
HK$113,956
+HK$6,536/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$214,840/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,452
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$115,467
−HK$3,060/mo
Today · 4.125%
HK$118,527
baseline
▲ 0.50% · 4.625%
HK$124,775
+HK$6,248/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$237,054/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,652 · Scale 2, in force from 26 Feb 2026)