LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,164
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,911
−HK$1,775/mo
Today · 4.125%
HK$59,686
baseline
▲ 0.50% · 4.625%
HK$63,318
+HK$3,632/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,372/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,482
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,157
−HK$1,700/mo
Today · 4.125%
HK$65,857
baseline
▲ 0.50% · 4.625%
HK$69,329
+HK$3,472/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$1,046,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,397
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$69,493
−HK$2,130/mo
Today · 4.125%
HK$71,623
baseline
▲ 0.50% · 4.625%
HK$75,981
+HK$4,358/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,246/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,978
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$76,989
−HK$2,040/mo
Today · 4.125%
HK$79,029
baseline
▲ 0.50% · 4.625%
HK$83,195
+HK$4,166/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,058/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,629
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,075
−HK$2,485/mo
Today · 4.125%
HK$83,560
baseline
▲ 0.50% · 4.625%
HK$88,645
+HK$5,085/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,120/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,797 · 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$1,046,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,095
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$104,240
−HK$3,195/mo
Today · 4.125%
HK$107,435
baseline
▲ 0.50% · 4.625%
HK$113,972
+HK$6,537/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$214,870/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,467
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$115,483
−HK$3,060/mo
Today · 4.125%
HK$118,543
baseline
▲ 0.50% · 4.625%
HK$124,792
+HK$6,249/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$237,086/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,797 · Scale 2, in force from 26 Feb 2026)