LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,738
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,471
−HK$1,762/mo
Today · 4.125%
HK$59,233
baseline
▲ 0.50% · 4.625%
HK$62,837
+HK$3,604/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,466/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,008
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,671
−HK$1,687/mo
Today · 4.125%
HK$65,358
baseline
▲ 0.50% · 4.625%
HK$68,803
+HK$3,445/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,716/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,885
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,966
−HK$2,113/mo
Today · 4.125%
HK$71,079
baseline
▲ 0.50% · 4.625%
HK$75,404
+HK$4,325/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,158/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,038,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,409
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,405
−HK$2,024/mo
Today · 4.125%
HK$78,429
baseline
▲ 0.50% · 4.625%
HK$82,563
+HK$4,134/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,858/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,038,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,033
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$80,460
−HK$2,466/mo
Today · 4.125%
HK$82,926
baseline
▲ 0.50% · 4.625%
HK$87,972
+HK$5,046/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,852/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,811
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$89,139
−HK$2,362/mo
Today · 4.125%
HK$91,501
baseline
▲ 0.50% · 4.625%
HK$96,324
+HK$4,823/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$183,002/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,328
−HK$6,291/mo
▼ 0.25% · 3.875%
HK$103,448
−HK$3,171/mo
Today · 4.125%
HK$106,619
baseline
▲ 0.50% · 4.625%
HK$113,107
+HK$6,488/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$213,238/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,614
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$114,607
−HK$3,037/mo
Today · 4.125%
HK$117,644
baseline
▲ 0.50% · 4.625%
HK$123,845
+HK$6,201/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$235,288/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,852 · Scale 2, in force from 26 Feb 2026)