LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,174
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,921
−HK$1,775/mo
Today · 4.125%
HK$59,696
baseline
▲ 0.50% · 4.625%
HK$63,329
+HK$3,633/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$1,046,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,493
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,169
−HK$1,700/mo
Today · 4.125%
HK$65,869
baseline
▲ 0.50% · 4.625%
HK$69,341
+HK$3,472/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,738/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,409
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,505
−HK$2,131/mo
Today · 4.125%
HK$71,636
baseline
▲ 0.50% · 4.625%
HK$75,995
+HK$4,359/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,272/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,991
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,003
−HK$2,040/mo
Today · 4.125%
HK$79,043
baseline
▲ 0.50% · 4.625%
HK$83,209
+HK$4,166/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,086/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,643
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$81,090
−HK$2,485/mo
Today · 4.125%
HK$83,575
baseline
▲ 0.50% · 4.625%
HK$88,660
+HK$5,085/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,150/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,490
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,836
−HK$2,381/mo
Today · 4.125%
HK$92,217
baseline
▲ 0.50% · 4.625%
HK$97,078
+HK$4,861/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,434/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,113
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$104,258
−HK$3,196/mo
Today · 4.125%
HK$107,454
baseline
▲ 0.50% · 4.625%
HK$113,992
+HK$6,538/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$214,908/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,487
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$115,504
−HK$3,060/mo
Today · 4.125%
HK$118,564
baseline
▲ 0.50% · 4.625%
HK$124,814
+HK$6,250/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$237,128/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,983 · Scale 2, in force from 26 Feb 2026)