LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,171
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,918
−HK$1,775/mo
Today · 4.125%
HK$59,693
baseline
▲ 0.50% · 4.625%
HK$63,325
+HK$3,632/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,386/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,489
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,165
−HK$1,700/mo
Today · 4.125%
HK$65,865
baseline
▲ 0.50% · 4.625%
HK$69,337
+HK$3,472/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,730/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,405
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,501
−HK$2,131/mo
Today · 4.125%
HK$71,632
baseline
▲ 0.50% · 4.625%
HK$75,990
+HK$4,358/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,264/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,987
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$76,998
−HK$2,040/mo
Today · 4.125%
HK$79,038
baseline
▲ 0.50% · 4.625%
HK$83,205
+HK$4,167/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,076/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,639
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,085
−HK$2,485/mo
Today · 4.125%
HK$83,570
baseline
▲ 0.50% · 4.625%
HK$88,655
+HK$5,085/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,140/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,485
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,831
−HK$2,380/mo
Today · 4.125%
HK$92,211
baseline
▲ 0.50% · 4.625%
HK$97,072
+HK$4,861/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,422/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,107
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$104,252
−HK$3,195/mo
Today · 4.125%
HK$107,447
baseline
▲ 0.50% · 4.625%
HK$113,985
+HK$6,538/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$214,894/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,480
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$115,497
−HK$3,060/mo
Today · 4.125%
HK$118,557
baseline
▲ 0.50% · 4.625%
HK$124,807
+HK$6,250/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$237,114/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,921 · Scale 2, in force from 26 Feb 2026)