LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,204
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,952
−HK$1,776/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$1,047,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,526
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,203
−HK$1,701/mo
Today · 4.125%
HK$65,904
baseline
▲ 0.50% · 4.625%
HK$69,378
+HK$3,474/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,808/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,444
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,542
−HK$2,132/mo
Today · 4.125%
HK$71,674
baseline
▲ 0.50% · 4.625%
HK$76,035
+HK$4,361/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,348/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,031
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,043
−HK$2,042/mo
Today · 4.125%
HK$79,085
baseline
▲ 0.50% · 4.625%
HK$83,253
+HK$4,168/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,170/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,685
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,133
−HK$2,486/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$1,047,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,536
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$89,884
−HK$2,382/mo
Today · 4.125%
HK$92,266
baseline
▲ 0.50% · 4.625%
HK$97,129
+HK$4,863/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,532/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,166
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$104,313
−HK$3,197/mo
Today · 4.125%
HK$107,510
baseline
▲ 0.50% · 4.625%
HK$114,052
+HK$6,542/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$1,047,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,547
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$115,565
−HK$3,062/mo
Today · 4.125%
HK$118,627
baseline
▲ 0.50% · 4.625%
HK$124,880
+HK$6,253/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,254/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,537 · Scale 2, in force from 26 Feb 2026)