LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,159
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,906
−HK$1,775/mo
Today · 4.125%
HK$59,681
baseline
▲ 0.50% · 4.625%
HK$63,312
+HK$3,631/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,362/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,477
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,152
−HK$1,700/mo
Today · 4.125%
HK$65,852
baseline
▲ 0.50% · 4.625%
HK$69,323
+HK$3,471/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,704/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,391
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$69,487
−HK$2,130/mo
Today · 4.125%
HK$71,617
baseline
▲ 0.50% · 4.625%
HK$75,975
+HK$4,358/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,234/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,972
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,983
−HK$2,039/mo
Today · 4.125%
HK$79,022
baseline
▲ 0.50% · 4.625%
HK$83,188
+HK$4,166/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,044/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,623
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$81,069
−HK$2,484/mo
Today · 4.125%
HK$83,553
baseline
▲ 0.50% · 4.625%
HK$88,637
+HK$5,084/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,106/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,467
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,813
−HK$2,380/mo
Today · 4.125%
HK$92,193
baseline
▲ 0.50% · 4.625%
HK$97,052
+HK$4,859/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,386/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,087
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$104,231
−HK$3,195/mo
Today · 4.125%
HK$107,426
baseline
▲ 0.50% · 4.625%
HK$113,962
+HK$6,536/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$214,852/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,458
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$115,474
−HK$3,060/mo
Today · 4.125%
HK$118,534
baseline
▲ 0.50% · 4.625%
HK$124,782
+HK$6,248/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$237,068/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,711 · Scale 2, in force from 26 Feb 2026)