LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,173
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,920
−HK$1,776/mo
Today · 4.125%
HK$59,696
baseline
▲ 0.50% · 4.625%
HK$63,328
+HK$3,632/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,392/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,492
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,168
−HK$1,700/mo
Today · 4.125%
HK$65,868
baseline
▲ 0.50% · 4.625%
HK$69,340
+HK$3,472/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,736/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,408
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,505
−HK$2,130/mo
Today · 4.125%
HK$71,635
baseline
▲ 0.50% · 4.625%
HK$75,994
+HK$4,359/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,270/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,990
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,002
−HK$2,040/mo
Today · 4.125%
HK$79,042
baseline
▲ 0.50% · 4.625%
HK$83,208
+HK$4,166/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,084/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,642
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$81,089
−HK$2,485/mo
Today · 4.125%
HK$83,574
baseline
▲ 0.50% · 4.625%
HK$88,659
+HK$5,085/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,148/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,489
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,835
−HK$2,381/mo
Today · 4.125%
HK$92,216
baseline
▲ 0.50% · 4.625%
HK$97,076
+HK$4,860/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,432/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,112
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$104,257
−HK$3,195/mo
Today · 4.125%
HK$107,452
baseline
▲ 0.50% · 4.625%
HK$113,990
+HK$6,538/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$214,904/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,486
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$115,502
−HK$3,061/mo
Today · 4.125%
HK$118,563
baseline
▲ 0.50% · 4.625%
HK$124,813
+HK$6,250/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$237,126/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,969 · Scale 2, in force from 26 Feb 2026)