LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,260
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,010
−HK$1,778/mo
Today · 4.125%
HK$59,788
baseline
▲ 0.50% · 4.625%
HK$63,426
+HK$3,638/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,576/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,589
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,267
−HK$1,703/mo
Today · 4.125%
HK$65,970
baseline
▲ 0.50% · 4.625%
HK$69,448
+HK$3,478/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$131,940/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,512
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,612
−HK$2,134/mo
Today · 4.125%
HK$71,746
baseline
▲ 0.50% · 4.625%
HK$76,111
+HK$4,365/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$143,492/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,107
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,121
−HK$2,043/mo
Today · 4.125%
HK$79,164
baseline
▲ 0.50% · 4.625%
HK$83,337
+HK$4,173/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$158,328/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,764
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,214
−HK$2,489/mo
Today · 4.125%
HK$83,703
baseline
▲ 0.50% · 4.625%
HK$88,797
+HK$5,094/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,406/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,624
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$89,974
−HK$2,384/mo
Today · 4.125%
HK$92,358
baseline
▲ 0.50% · 4.625%
HK$97,227
+HK$4,869/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,716/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,268
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$104,418
−HK$3,201/mo
Today · 4.125%
HK$107,619
baseline
▲ 0.50% · 4.625%
HK$114,167
+HK$6,548/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$215,238/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,660
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$115,681
−HK$3,066/mo
Today · 4.125%
HK$118,747
baseline
▲ 0.50% · 4.625%
HK$125,006
+HK$6,259/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$237,494/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,592 · Scale 2, in force from 26 Feb 2026)