LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,168
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,916
−HK$1,775/mo
Today · 4.125%
HK$59,691
baseline
▲ 0.50% · 4.625%
HK$63,323
+HK$3,632/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,382/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,487
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,163
−HK$1,700/mo
Today · 4.125%
HK$65,863
baseline
▲ 0.50% · 4.625%
HK$69,334
+HK$3,471/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,726/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,402
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,499
−HK$2,130/mo
Today · 4.125%
HK$71,629
baseline
▲ 0.50% · 4.625%
HK$75,987
+HK$4,358/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,258/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,984
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$76,995
−HK$2,040/mo
Today · 4.125%
HK$79,035
baseline
▲ 0.50% · 4.625%
HK$83,201
+HK$4,166/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,070/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,636
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,082
−HK$2,485/mo
Today · 4.125%
HK$83,567
baseline
▲ 0.50% · 4.625%
HK$88,652
+HK$5,085/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,134/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,481
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,828
−HK$2,380/mo
Today · 4.125%
HK$92,208
baseline
▲ 0.50% · 4.625%
HK$97,068
+HK$4,860/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,416/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,103
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$104,248
−HK$3,195/mo
Today · 4.125%
HK$107,443
baseline
▲ 0.50% · 4.625%
HK$113,981
+HK$6,538/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$214,886/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,476
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$115,493
−HK$3,060/mo
Today · 4.125%
HK$118,553
baseline
▲ 0.50% · 4.625%
HK$124,802
+HK$6,249/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$237,106/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,881 · Scale 2, in force from 26 Feb 2026)