LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,178
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,925
−HK$1,776/mo
Today · 4.125%
HK$59,701
baseline
▲ 0.50% · 4.625%
HK$63,333
+HK$3,632/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,402/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,497
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,173
−HK$1,701/mo
Today · 4.125%
HK$65,874
baseline
▲ 0.50% · 4.625%
HK$69,346
+HK$3,472/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,748/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,413
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,510
−HK$2,131/mo
Today · 4.125%
HK$71,641
baseline
▲ 0.50% · 4.625%
HK$76,000
+HK$4,359/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,282/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,997
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,008
−HK$2,041/mo
Today · 4.125%
HK$79,049
baseline
▲ 0.50% · 4.625%
HK$83,215
+HK$4,166/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,098/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,649
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$81,095
−HK$2,486/mo
Today · 4.125%
HK$83,581
baseline
▲ 0.50% · 4.625%
HK$88,667
+HK$5,086/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,162/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,496
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,843
−HK$2,380/mo
Today · 4.125%
HK$92,223
baseline
▲ 0.50% · 4.625%
HK$97,085
+HK$4,862/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,446/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,120
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$104,266
−HK$3,195/mo
Today · 4.125%
HK$107,461
baseline
▲ 0.50% · 4.625%
HK$114,000
+HK$6,539/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$214,922/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,495
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$115,512
−HK$3,061/mo
Today · 4.125%
HK$118,573
baseline
▲ 0.50% · 4.625%
HK$124,823
+HK$6,250/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$237,146/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,058 · Scale 2, in force from 26 Feb 2026)