LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,201
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,950
−HK$1,776/mo
Today · 4.125%
HK$59,726
baseline
▲ 0.50% · 4.625%
HK$63,360
+HK$3,634/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,452/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,524
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,200
−HK$1,702/mo
Today · 4.125%
HK$65,902
baseline
▲ 0.50% · 4.625%
HK$69,375
+HK$3,473/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,804/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,442
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,540
−HK$2,131/mo
Today · 4.125%
HK$71,671
baseline
▲ 0.50% · 4.625%
HK$76,032
+HK$4,361/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,342/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,028
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,040
−HK$2,042/mo
Today · 4.125%
HK$79,082
baseline
▲ 0.50% · 4.625%
HK$83,250
+HK$4,168/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,164/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,682
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,130
−HK$2,486/mo
Today · 4.125%
HK$83,616
baseline
▲ 0.50% · 4.625%
HK$88,704
+HK$5,088/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,232/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,533
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,881
−HK$2,381/mo
Today · 4.125%
HK$92,262
baseline
▲ 0.50% · 4.625%
HK$97,125
+HK$4,863/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,524/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,163
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$104,309
−HK$3,197/mo
Today · 4.125%
HK$107,506
baseline
▲ 0.50% · 4.625%
HK$114,048
+HK$6,542/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$215,012/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,542
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$115,561
−HK$3,062/mo
Today · 4.125%
HK$118,623
baseline
▲ 0.50% · 4.625%
HK$124,875
+HK$6,252/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,246/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,498 · Scale 2, in force from 26 Feb 2026)