LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,208
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,956
−HK$1,777/mo
Today · 4.125%
HK$59,733
baseline
▲ 0.50% · 4.625%
HK$63,367
+HK$3,634/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,466/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,531
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,208
−HK$1,701/mo
Today · 4.125%
HK$65,909
baseline
▲ 0.50% · 4.625%
HK$69,383
+HK$3,474/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,818/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,449
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,547
−HK$2,132/mo
Today · 4.125%
HK$71,679
baseline
▲ 0.50% · 4.625%
HK$76,041
+HK$4,362/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,358/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,037
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,049
−HK$2,042/mo
Today · 4.125%
HK$79,091
baseline
▲ 0.50% · 4.625%
HK$83,260
+HK$4,169/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,182/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,691
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$81,139
−HK$2,487/mo
Today · 4.125%
HK$83,626
baseline
▲ 0.50% · 4.625%
HK$88,714
+HK$5,088/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,252/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,543
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$89,891
−HK$2,382/mo
Today · 4.125%
HK$92,273
baseline
▲ 0.50% · 4.625%
HK$97,136
+HK$4,863/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,546/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,174
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$104,321
−HK$3,198/mo
Today · 4.125%
HK$107,519
baseline
▲ 0.50% · 4.625%
HK$114,061
+HK$6,542/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$215,038/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,555
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$115,574
−HK$3,062/mo
Today · 4.125%
HK$118,636
baseline
▲ 0.50% · 4.625%
HK$124,890
+HK$6,254/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,272/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,616 · Scale 2, in force from 26 Feb 2026)