LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,202
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,950
−HK$1,777/mo
Today · 4.125%
HK$59,727
baseline
▲ 0.50% · 4.625%
HK$63,361
+HK$3,634/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,454/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,524
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,201
−HK$1,701/mo
Today · 4.125%
HK$65,902
baseline
▲ 0.50% · 4.625%
HK$69,376
+HK$3,474/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$1,047,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,443
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,540
−HK$2,132/mo
Today · 4.125%
HK$71,672
baseline
▲ 0.50% · 4.625%
HK$76,033
+HK$4,361/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,344/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,029
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,042
−HK$2,041/mo
Today · 4.125%
HK$79,083
baseline
▲ 0.50% · 4.625%
HK$83,251
+HK$4,168/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,166/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,683
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,131
−HK$2,486/mo
Today · 4.125%
HK$83,617
baseline
▲ 0.50% · 4.625%
HK$88,705
+HK$5,088/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,234/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,534
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,882
−HK$2,381/mo
Today · 4.125%
HK$92,263
baseline
▲ 0.50% · 4.625%
HK$97,127
+HK$4,864/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,526/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,164
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$104,311
−HK$3,197/mo
Today · 4.125%
HK$107,508
baseline
▲ 0.50% · 4.625%
HK$114,049
+HK$6,541/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$215,016/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,544
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$115,562
−HK$3,062/mo
Today · 4.125%
HK$118,624
baseline
▲ 0.50% · 4.625%
HK$124,877
+HK$6,253/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,248/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,511 · Scale 2, in force from 26 Feb 2026)