LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,198
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,947
−HK$1,776/mo
Today · 4.125%
HK$59,723
baseline
▲ 0.50% · 4.625%
HK$63,357
+HK$3,634/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,446/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,520
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,197
−HK$1,701/mo
Today · 4.125%
HK$65,898
baseline
▲ 0.50% · 4.625%
HK$69,372
+HK$3,474/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,796/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,438
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,536
−HK$2,131/mo
Today · 4.125%
HK$71,667
baseline
▲ 0.50% · 4.625%
HK$76,028
+HK$4,361/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,334/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,024
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,036
−HK$2,042/mo
Today · 4.125%
HK$79,078
baseline
▲ 0.50% · 4.625%
HK$83,246
+HK$4,168/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,156/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,678
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,125
−HK$2,487/mo
Today · 4.125%
HK$83,612
baseline
▲ 0.50% · 4.625%
HK$88,699
+HK$5,087/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,224/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,528
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,876
−HK$2,381/mo
Today · 4.125%
HK$92,257
baseline
▲ 0.50% · 4.625%
HK$97,120
+HK$4,863/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,514/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,157
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$104,304
−HK$3,197/mo
Today · 4.125%
HK$107,501
baseline
▲ 0.50% · 4.625%
HK$114,042
+HK$6,541/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$215,002/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,536
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$115,555
−HK$3,061/mo
Today · 4.125%
HK$118,616
baseline
▲ 0.50% · 4.625%
HK$124,869
+HK$6,253/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,232/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,441 · Scale 2, in force from 26 Feb 2026)