LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,181
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,928
−HK$1,776/mo
Today · 4.125%
HK$59,704
baseline
▲ 0.50% · 4.625%
HK$63,337
+HK$3,633/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,408/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,501
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,177
−HK$1,700/mo
Today · 4.125%
HK$65,877
baseline
▲ 0.50% · 4.625%
HK$69,350
+HK$3,473/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,754/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,417
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,514
−HK$2,131/mo
Today · 4.125%
HK$71,645
baseline
▲ 0.50% · 4.625%
HK$76,004
+HK$4,359/mo
Deposit HK$9.86M · loan HK$14.78M · min. income ≈ HK$143,290/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,001
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,012
−HK$2,041/mo
Today · 4.125%
HK$79,053
baseline
▲ 0.50% · 4.625%
HK$83,220
+HK$4,167/mo
Deposit HK$9.86M · loan HK$14.78M · min. income ≈ HK$158,106/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,653
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$81,100
−HK$2,486/mo
Today · 4.125%
HK$83,586
baseline
▲ 0.50% · 4.625%
HK$88,672
+HK$5,086/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,172/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,501
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,848
−HK$2,380/mo
Today · 4.125%
HK$92,228
baseline
▲ 0.50% · 4.625%
HK$97,090
+HK$4,862/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,456/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,126
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$104,271
−HK$3,196/mo
Today · 4.125%
HK$107,467
baseline
▲ 0.50% · 4.625%
HK$114,006
+HK$6,539/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$214,934/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,501
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$115,519
−HK$3,060/mo
Today · 4.125%
HK$118,579
baseline
▲ 0.50% · 4.625%
HK$124,830
+HK$6,251/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$237,158/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,115 · Scale 2, in force from 26 Feb 2026)