LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,187
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,934
−HK$1,776/mo
Today · 4.125%
HK$59,710
baseline
▲ 0.50% · 4.625%
HK$63,343
+HK$3,633/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,420/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,507
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,184
−HK$1,700/mo
Today · 4.125%
HK$65,884
baseline
▲ 0.50% · 4.625%
HK$69,357
+HK$3,473/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,768/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,424
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,521
−HK$2,131/mo
Today · 4.125%
HK$71,652
baseline
▲ 0.50% · 4.625%
HK$76,012
+HK$4,360/mo
Deposit HK$9.86M · loan HK$14.78M · min. income ≈ HK$143,304/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,009
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,020
−HK$2,041/mo
Today · 4.125%
HK$79,061
baseline
▲ 0.50% · 4.625%
HK$83,228
+HK$4,167/mo
Deposit HK$9.86M · loan HK$14.78M · min. income ≈ HK$158,122/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,661
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$81,108
−HK$2,486/mo
Today · 4.125%
HK$83,594
baseline
▲ 0.50% · 4.625%
HK$88,681
+HK$5,087/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,188/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,510
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$89,857
−HK$2,381/mo
Today · 4.125%
HK$92,238
baseline
▲ 0.50% · 4.625%
HK$97,100
+HK$4,862/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,476/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,136
−HK$6,342/mo
▼ 0.25% · 3.875%
HK$104,282
−HK$3,196/mo
Today · 4.125%
HK$107,478
baseline
▲ 0.50% · 4.625%
HK$114,018
+HK$6,540/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$214,956/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,513
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$115,530
−HK$3,062/mo
Today · 4.125%
HK$118,592
baseline
▲ 0.50% · 4.625%
HK$124,843
+HK$6,251/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,184/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,222 · Scale 2, in force from 26 Feb 2026)