LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,179
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,927
−HK$1,775/mo
Today · 4.125%
HK$59,702
baseline
▲ 0.50% · 4.625%
HK$63,335
+HK$3,633/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,404/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,499
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,175
−HK$1,701/mo
Today · 4.125%
HK$65,876
baseline
▲ 0.50% · 4.625%
HK$69,348
+HK$3,472/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,752/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,415
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,512
−HK$2,131/mo
Today · 4.125%
HK$71,643
baseline
▲ 0.50% · 4.625%
HK$76,002
+HK$4,359/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,286/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,999
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,010
−HK$2,041/mo
Today · 4.125%
HK$79,051
baseline
▲ 0.50% · 4.625%
HK$83,218
+HK$4,167/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,102/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,651
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$81,098
−HK$2,485/mo
Today · 4.125%
HK$83,583
baseline
▲ 0.50% · 4.625%
HK$88,669
+HK$5,086/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,166/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,499
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,845
−HK$2,381/mo
Today · 4.125%
HK$92,226
baseline
▲ 0.50% · 4.625%
HK$97,087
+HK$4,861/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,452/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,123
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$104,269
−HK$3,195/mo
Today · 4.125%
HK$107,464
baseline
▲ 0.50% · 4.625%
HK$114,003
+HK$6,539/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$214,928/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,498
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$115,515
−HK$3,061/mo
Today · 4.125%
HK$118,576
baseline
▲ 0.50% · 4.625%
HK$124,827
+HK$6,251/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$237,152/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,087 · Scale 2, in force from 26 Feb 2026)