LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,163
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,910
−HK$1,775/mo
Today · 4.125%
HK$59,685
baseline
▲ 0.50% · 4.625%
HK$63,317
+HK$3,632/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,370/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,481
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,157
−HK$1,700/mo
Today · 4.125%
HK$65,857
baseline
▲ 0.50% · 4.625%
HK$69,328
+HK$3,471/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,714/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,396
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$69,492
−HK$2,130/mo
Today · 4.125%
HK$71,622
baseline
▲ 0.50% · 4.625%
HK$75,980
+HK$4,358/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,244/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,977
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$76,988
−HK$2,040/mo
Today · 4.125%
HK$79,028
baseline
▲ 0.50% · 4.625%
HK$83,194
+HK$4,166/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,056/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,629
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$81,075
−HK$2,484/mo
Today · 4.125%
HK$83,559
baseline
▲ 0.50% · 4.625%
HK$88,644
+HK$5,085/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,118/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,474
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,820
−HK$2,380/mo
Today · 4.125%
HK$92,200
baseline
▲ 0.50% · 4.625%
HK$97,060
+HK$4,860/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,400/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,094
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$104,239
−HK$3,195/mo
Today · 4.125%
HK$107,434
baseline
▲ 0.50% · 4.625%
HK$113,971
+HK$6,537/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$214,868/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,466
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$115,482
−HK$3,060/mo
Today · 4.125%
HK$118,542
baseline
▲ 0.50% · 4.625%
HK$124,791
+HK$6,249/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$237,084/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,788 · Scale 2, in force from 26 Feb 2026)