LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,223
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,972
−HK$1,777/mo
Today · 4.125%
HK$59,749
baseline
▲ 0.50% · 4.625%
HK$63,384
+HK$3,635/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,498/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,047,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,547
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,225
−HK$1,702/mo
Today · 4.125%
HK$65,927
baseline
▲ 0.50% · 4.625%
HK$69,402
+HK$3,475/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,854/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,047,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,467
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,566
−HK$2,132/mo
Today · 4.125%
HK$71,698
baseline
▲ 0.50% · 4.625%
HK$76,061
+HK$4,363/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,396/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,057
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$77,070
−HK$2,042/mo
Today · 4.125%
HK$79,112
baseline
▲ 0.50% · 4.625%
HK$83,282
+HK$4,170/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,224/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,712
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$81,160
−HK$2,488/mo
Today · 4.125%
HK$83,648
baseline
▲ 0.50% · 4.625%
HK$88,738
+HK$5,090/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$167,296/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,566
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$89,915
−HK$2,382/mo
Today · 4.125%
HK$92,297
baseline
▲ 0.50% · 4.625%
HK$97,162
+HK$4,865/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$184,594/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,201
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$104,349
−HK$3,198/mo
Today · 4.125%
HK$107,547
baseline
▲ 0.50% · 4.625%
HK$114,091
+HK$6,544/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$215,094/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,585
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$115,605
−HK$3,063/mo
Today · 4.125%
HK$118,668
baseline
▲ 0.50% · 4.625%
HK$124,923
+HK$6,255/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$237,336/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,896 · Scale 2, in force from 26 Feb 2026)