LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,166
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,913
−HK$1,775/mo
Today · 4.125%
HK$59,688
baseline
▲ 0.50% · 4.625%
HK$63,320
+HK$3,632/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,376/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,484
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,160
−HK$1,700/mo
Today · 4.125%
HK$65,860
baseline
▲ 0.50% · 4.625%
HK$69,331
+HK$3,471/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,720/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,399
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,496
−HK$2,130/mo
Today · 4.125%
HK$71,626
baseline
▲ 0.50% · 4.625%
HK$75,984
+HK$4,358/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,252/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,981
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$76,992
−HK$2,040/mo
Today · 4.125%
HK$79,032
baseline
▲ 0.50% · 4.625%
HK$83,198
+HK$4,166/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,064/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,632
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,078
−HK$2,485/mo
Today · 4.125%
HK$83,563
baseline
▲ 0.50% · 4.625%
HK$88,648
+HK$5,085/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,126/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,478
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,824
−HK$2,380/mo
Today · 4.125%
HK$92,204
baseline
▲ 0.50% · 4.625%
HK$97,064
+HK$4,860/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,408/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,099
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$104,243
−HK$3,195/mo
Today · 4.125%
HK$107,438
baseline
▲ 0.50% · 4.625%
HK$113,976
+HK$6,538/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$214,876/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,471
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$115,488
−HK$3,060/mo
Today · 4.125%
HK$118,548
baseline
▲ 0.50% · 4.625%
HK$124,797
+HK$6,249/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$237,096/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,836 · Scale 2, in force from 26 Feb 2026)