LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,184
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,931
−HK$1,776/mo
Today · 4.125%
HK$59,707
baseline
▲ 0.50% · 4.625%
HK$63,340
+HK$3,633/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,414/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,504
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,180
−HK$1,701/mo
Today · 4.125%
HK$65,881
baseline
▲ 0.50% · 4.625%
HK$69,353
+HK$3,472/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,762/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,420
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,518
−HK$2,130/mo
Today · 4.125%
HK$71,648
baseline
▲ 0.50% · 4.625%
HK$76,008
+HK$4,360/mo
Deposit HK$9.86M · loan HK$14.78M · min. income ≈ HK$143,296/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,005
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,016
−HK$2,041/mo
Today · 4.125%
HK$79,057
baseline
▲ 0.50% · 4.625%
HK$83,224
+HK$4,167/mo
Deposit HK$9.86M · loan HK$14.78M · min. income ≈ HK$158,114/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,657
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$81,104
−HK$2,486/mo
Today · 4.125%
HK$83,590
baseline
▲ 0.50% · 4.625%
HK$88,676
+HK$5,086/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,180/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,505
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$89,852
−HK$2,381/mo
Today · 4.125%
HK$92,233
baseline
▲ 0.50% · 4.625%
HK$97,095
+HK$4,862/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,466/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,131
−HK$6,342/mo
▼ 0.25% · 3.875%
HK$104,276
−HK$3,197/mo
Today · 4.125%
HK$107,473
baseline
▲ 0.50% · 4.625%
HK$114,012
+HK$6,539/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$214,946/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,507
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$115,524
−HK$3,061/mo
Today · 4.125%
HK$118,585
baseline
▲ 0.50% · 4.625%
HK$124,836
+HK$6,251/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,170/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,167 · Scale 2, in force from 26 Feb 2026)