LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,203
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,951
−HK$1,777/mo
Today · 4.125%
HK$59,728
baseline
▲ 0.50% · 4.625%
HK$63,362
+HK$3,634/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,456/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,525
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,202
−HK$1,701/mo
Today · 4.125%
HK$65,903
baseline
▲ 0.50% · 4.625%
HK$69,377
+HK$3,474/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,806/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,444
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,542
−HK$2,131/mo
Today · 4.125%
HK$71,673
baseline
▲ 0.50% · 4.625%
HK$76,034
+HK$4,361/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,346/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,030
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,043
−HK$2,041/mo
Today · 4.125%
HK$79,084
baseline
▲ 0.50% · 4.625%
HK$83,253
+HK$4,169/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,168/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,684
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$81,132
−HK$2,487/mo
Today · 4.125%
HK$83,619
baseline
▲ 0.50% · 4.625%
HK$88,707
+HK$5,088/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,238/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,536
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,883
−HK$2,382/mo
Today · 4.125%
HK$92,265
baseline
▲ 0.50% · 4.625%
HK$97,128
+HK$4,863/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,530/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,166
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$104,312
−HK$3,198/mo
Today · 4.125%
HK$107,510
baseline
▲ 0.50% · 4.625%
HK$114,051
+HK$6,541/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$215,020/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,546
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$115,564
−HK$3,062/mo
Today · 4.125%
HK$118,626
baseline
▲ 0.50% · 4.625%
HK$124,879
+HK$6,253/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,252/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,528 · Scale 2, in force from 26 Feb 2026)