LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,196
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,944
−HK$1,776/mo
Today · 4.125%
HK$59,720
baseline
▲ 0.50% · 4.625%
HK$63,354
+HK$3,634/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,440/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,518
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,195
−HK$1,701/mo
Today · 4.125%
HK$65,896
baseline
▲ 0.50% · 4.625%
HK$69,369
+HK$3,473/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,792/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,436
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,533
−HK$2,131/mo
Today · 4.125%
HK$71,664
baseline
▲ 0.50% · 4.625%
HK$76,025
+HK$4,361/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,328/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,022
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,034
−HK$2,041/mo
Today · 4.125%
HK$79,075
baseline
▲ 0.50% · 4.625%
HK$83,243
+HK$4,168/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,150/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,675
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,122
−HK$2,487/mo
Today · 4.125%
HK$83,609
baseline
▲ 0.50% · 4.625%
HK$88,696
+HK$5,087/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,218/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,525
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,872
−HK$2,382/mo
Today · 4.125%
HK$92,254
baseline
▲ 0.50% · 4.625%
HK$97,117
+HK$4,863/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,508/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,154
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$104,300
−HK$3,197/mo
Today · 4.125%
HK$107,497
baseline
▲ 0.50% · 4.625%
HK$114,038
+HK$6,541/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$214,994/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,532
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$115,550
−HK$3,062/mo
Today · 4.125%
HK$118,612
baseline
▲ 0.50% · 4.625%
HK$124,864
+HK$6,252/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,224/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,403 · Scale 2, in force from 26 Feb 2026)