LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,195
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,943
−HK$1,776/mo
Today · 4.125%
HK$59,719
baseline
▲ 0.50% · 4.625%
HK$63,352
+HK$3,633/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,438/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,516
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,193
−HK$1,700/mo
Today · 4.125%
HK$65,893
baseline
▲ 0.50% · 4.625%
HK$69,367
+HK$3,474/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,786/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,434
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,531
−HK$2,131/mo
Today · 4.125%
HK$71,662
baseline
▲ 0.50% · 4.625%
HK$76,023
+HK$4,361/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,324/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,019
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,031
−HK$2,041/mo
Today · 4.125%
HK$79,072
baseline
▲ 0.50% · 4.625%
HK$83,240
+HK$4,168/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,144/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,672
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,120
−HK$2,486/mo
Today · 4.125%
HK$83,606
baseline
▲ 0.50% · 4.625%
HK$88,693
+HK$5,087/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,212/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,522
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,870
−HK$2,381/mo
Today · 4.125%
HK$92,251
baseline
▲ 0.50% · 4.625%
HK$97,114
+HK$4,863/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,502/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,150
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$104,297
−HK$3,196/mo
Today · 4.125%
HK$107,493
baseline
▲ 0.50% · 4.625%
HK$114,034
+HK$6,541/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$214,986/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,529
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$115,547
−HK$3,061/mo
Today · 4.125%
HK$118,608
baseline
▲ 0.50% · 4.625%
HK$124,860
+HK$6,252/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,216/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,370 · Scale 2, in force from 26 Feb 2026)