LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,217
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,966
−HK$1,777/mo
Today · 4.125%
HK$59,743
baseline
▲ 0.50% · 4.625%
HK$63,378
+HK$3,635/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,486/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,541
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,218
−HK$1,702/mo
Today · 4.125%
HK$65,920
baseline
▲ 0.50% · 4.625%
HK$69,395
+HK$3,475/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,840/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,461
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,559
−HK$2,132/mo
Today · 4.125%
HK$71,691
baseline
▲ 0.50% · 4.625%
HK$76,053
+HK$4,362/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,382/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,049
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$77,062
−HK$2,042/mo
Today · 4.125%
HK$79,104
baseline
▲ 0.50% · 4.625%
HK$83,274
+HK$4,170/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,208/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,704
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$81,152
−HK$2,488/mo
Today · 4.125%
HK$83,640
baseline
▲ 0.50% · 4.625%
HK$88,729
+HK$5,089/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$167,280/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,558
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$89,906
−HK$2,382/mo
Today · 4.125%
HK$92,288
baseline
▲ 0.50% · 4.625%
HK$97,153
+HK$4,865/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$184,576/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,191
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$104,339
−HK$3,198/mo
Today · 4.125%
HK$107,537
baseline
▲ 0.50% · 4.625%
HK$114,080
+HK$6,543/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$215,074/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,574
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$115,593
−HK$3,063/mo
Today · 4.125%
HK$118,656
baseline
▲ 0.50% · 4.625%
HK$124,911
+HK$6,255/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$237,312/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,792 · Scale 2, in force from 26 Feb 2026)