LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,218
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,967
−HK$1,776/mo
Today · 4.125%
HK$59,743
baseline
▲ 0.50% · 4.625%
HK$63,379
+HK$3,636/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$1,047,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,542
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,219
−HK$1,702/mo
Today · 4.125%
HK$65,921
baseline
▲ 0.50% · 4.625%
HK$69,396
+HK$3,475/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,842/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,462
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,560
−HK$2,132/mo
Today · 4.125%
HK$71,692
baseline
▲ 0.50% · 4.625%
HK$76,054
+HK$4,362/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,384/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,051
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,063
−HK$2,042/mo
Today · 4.125%
HK$79,105
baseline
▲ 0.50% · 4.625%
HK$83,275
+HK$4,170/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,210/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,705
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$81,154
−HK$2,487/mo
Today · 4.125%
HK$83,641
baseline
▲ 0.50% · 4.625%
HK$88,730
+HK$5,089/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$167,282/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,559
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$89,907
−HK$2,382/mo
Today · 4.125%
HK$92,289
baseline
▲ 0.50% · 4.625%
HK$97,154
+HK$4,865/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$184,578/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,193
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$104,340
−HK$3,198/mo
Today · 4.125%
HK$107,538
baseline
▲ 0.50% · 4.625%
HK$114,082
+HK$6,544/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$215,076/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,576
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$115,595
−HK$3,063/mo
Today · 4.125%
HK$118,658
baseline
▲ 0.50% · 4.625%
HK$124,913
+HK$6,255/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$237,316/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,808 · Scale 2, in force from 26 Feb 2026)