LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,183
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,930
−HK$1,776/mo
Today · 4.125%
HK$59,706
baseline
▲ 0.50% · 4.625%
HK$63,339
+HK$3,633/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,412/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,503
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,179
−HK$1,700/mo
Today · 4.125%
HK$65,879
baseline
▲ 0.50% · 4.625%
HK$69,352
+HK$3,473/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,758/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,419
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,516
−HK$2,131/mo
Today · 4.125%
HK$71,647
baseline
▲ 0.50% · 4.625%
HK$76,006
+HK$4,359/mo
Deposit HK$9.86M · loan HK$14.78M · min. income ≈ HK$143,294/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,003
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,015
−HK$2,040/mo
Today · 4.125%
HK$79,055
baseline
▲ 0.50% · 4.625%
HK$83,222
+HK$4,167/mo
Deposit HK$9.86M · loan HK$14.78M · min. income ≈ HK$158,110/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,656
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$81,102
−HK$2,486/mo
Today · 4.125%
HK$83,588
baseline
▲ 0.50% · 4.625%
HK$88,674
+HK$5,086/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,176/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,504
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,850
−HK$2,381/mo
Today · 4.125%
HK$92,231
baseline
▲ 0.50% · 4.625%
HK$97,093
+HK$4,862/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,462/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,129
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$104,274
−HK$3,196/mo
Today · 4.125%
HK$107,470
baseline
▲ 0.50% · 4.625%
HK$114,010
+HK$6,540/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$214,940/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,505
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$115,522
−HK$3,061/mo
Today · 4.125%
HK$118,583
baseline
▲ 0.50% · 4.625%
HK$124,834
+HK$6,251/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$237,166/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,146 · Scale 2, in force from 26 Feb 2026)