LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,743
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,477
−HK$1,761/mo
Today · 4.125%
HK$59,238
baseline
▲ 0.50% · 4.625%
HK$62,843
+HK$3,605/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,476/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,013
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,676
−HK$1,687/mo
Today · 4.125%
HK$65,363
baseline
▲ 0.50% · 4.625%
HK$68,809
+HK$3,446/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,726/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,891
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,972
−HK$2,114/mo
Today · 4.125%
HK$71,086
baseline
▲ 0.50% · 4.625%
HK$75,411
+HK$4,325/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,172/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,038,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,416
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,412
−HK$2,024/mo
Today · 4.125%
HK$78,436
baseline
▲ 0.50% · 4.625%
HK$82,571
+HK$4,135/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,872/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,038,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,040
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$80,467
−HK$2,466/mo
Today · 4.125%
HK$82,933
baseline
▲ 0.50% · 4.625%
HK$87,980
+HK$5,047/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,866/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,818
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,147
−HK$2,362/mo
Today · 4.125%
HK$91,509
baseline
▲ 0.50% · 4.625%
HK$96,332
+HK$4,823/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$183,018/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,337
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$103,458
−HK$3,171/mo
Today · 4.125%
HK$106,629
baseline
▲ 0.50% · 4.625%
HK$113,117
+HK$6,488/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$213,258/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,624
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$114,617
−HK$3,037/mo
Today · 4.125%
HK$117,654
baseline
▲ 0.50% · 4.625%
HK$123,856
+HK$6,202/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$235,308/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,946 · Scale 2, in force from 26 Feb 2026)