LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,207
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,956
−HK$1,776/mo
Today · 4.125%
HK$59,732
baseline
▲ 0.50% · 4.625%
HK$63,366
+HK$3,634/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,464/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,530
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,207
−HK$1,701/mo
Today · 4.125%
HK$65,908
baseline
▲ 0.50% · 4.625%
HK$69,382
+HK$3,474/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,816/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,449
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,547
−HK$2,131/mo
Today · 4.125%
HK$71,678
baseline
▲ 0.50% · 4.625%
HK$76,040
+HK$4,362/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,356/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,036
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,048
−HK$2,042/mo
Today · 4.125%
HK$79,090
baseline
▲ 0.50% · 4.625%
HK$83,259
+HK$4,169/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,180/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,690
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$81,138
−HK$2,487/mo
Today · 4.125%
HK$83,625
baseline
▲ 0.50% · 4.625%
HK$88,713
+HK$5,088/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,250/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,542
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,890
−HK$2,381/mo
Today · 4.125%
HK$92,271
baseline
▲ 0.50% · 4.625%
HK$97,135
+HK$4,864/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,542/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,173
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$104,320
−HK$3,197/mo
Today · 4.125%
HK$107,517
baseline
▲ 0.50% · 4.625%
HK$114,060
+HK$6,543/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$215,034/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,554
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$115,572
−HK$3,063/mo
Today · 4.125%
HK$118,635
baseline
▲ 0.50% · 4.625%
HK$124,888
+HK$6,253/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,270/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,604 · Scale 2, in force from 26 Feb 2026)