LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,176
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,923
−HK$1,775/mo
Today · 4.125%
HK$59,698
baseline
▲ 0.50% · 4.625%
HK$63,331
+HK$3,633/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,396/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,047,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,495
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,171
−HK$1,700/mo
Today · 4.125%
HK$65,871
baseline
▲ 0.50% · 4.625%
HK$69,343
+HK$3,472/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,742/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,047,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,411
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,508
−HK$2,130/mo
Today · 4.125%
HK$71,638
baseline
▲ 0.50% · 4.625%
HK$75,997
+HK$4,359/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,276/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,994
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,005
−HK$2,041/mo
Today · 4.125%
HK$79,046
baseline
▲ 0.50% · 4.625%
HK$83,212
+HK$4,166/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,092/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,646
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$81,092
−HK$2,486/mo
Today · 4.125%
HK$83,578
baseline
▲ 0.50% · 4.625%
HK$88,663
+HK$5,085/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,156/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,493
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,839
−HK$2,381/mo
Today · 4.125%
HK$92,220
baseline
▲ 0.50% · 4.625%
HK$97,081
+HK$4,861/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,440/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,116
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$104,262
−HK$3,195/mo
Today · 4.125%
HK$107,457
baseline
▲ 0.50% · 4.625%
HK$113,996
+HK$6,539/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$214,914/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,491
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$115,508
−HK$3,060/mo
Today · 4.125%
HK$118,568
baseline
▲ 0.50% · 4.625%
HK$124,818
+HK$6,250/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$237,136/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,017 · Scale 2, in force from 26 Feb 2026)