LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,205
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,954
−HK$1,776/mo
Today · 4.125%
HK$59,730
baseline
▲ 0.50% · 4.625%
HK$63,364
+HK$3,634/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,460/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,528
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,205
−HK$1,701/mo
Today · 4.125%
HK$65,906
baseline
▲ 0.50% · 4.625%
HK$69,380
+HK$3,474/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,812/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,446
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,544
−HK$2,132/mo
Today · 4.125%
HK$71,676
baseline
▲ 0.50% · 4.625%
HK$76,037
+HK$4,361/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,352/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,033
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,046
−HK$2,041/mo
Today · 4.125%
HK$79,087
baseline
▲ 0.50% · 4.625%
HK$83,256
+HK$4,169/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,174/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,687
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$81,135
−HK$2,487/mo
Today · 4.125%
HK$83,622
baseline
▲ 0.50% · 4.625%
HK$88,710
+HK$5,088/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,244/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,539
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,887
−HK$2,381/mo
Today · 4.125%
HK$92,268
baseline
▲ 0.50% · 4.625%
HK$97,132
+HK$4,864/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,536/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,169
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$104,316
−HK$3,198/mo
Today · 4.125%
HK$107,514
baseline
▲ 0.50% · 4.625%
HK$114,056
+HK$6,542/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$215,028/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,550
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$115,568
−HK$3,063/mo
Today · 4.125%
HK$118,631
baseline
▲ 0.50% · 4.625%
HK$124,884
+HK$6,253/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,262/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,568 · Scale 2, in force from 26 Feb 2026)