LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,757
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,491
−HK$1,762/mo
Today · 4.125%
HK$59,253
baseline
▲ 0.50% · 4.625%
HK$62,859
+HK$3,606/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,506/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,029
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,692
−HK$1,688/mo
Today · 4.125%
HK$65,380
baseline
▲ 0.50% · 4.625%
HK$68,826
+HK$3,446/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,760/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,908
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$68,989
−HK$2,115/mo
Today · 4.125%
HK$71,104
baseline
▲ 0.50% · 4.625%
HK$75,430
+HK$4,326/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,208/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,435
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,431
−HK$2,025/mo
Today · 4.125%
HK$78,456
baseline
▲ 0.50% · 4.625%
HK$82,592
+HK$4,136/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,912/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,059
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,488
−HK$2,467/mo
Today · 4.125%
HK$82,955
baseline
▲ 0.50% · 4.625%
HK$88,002
+HK$5,047/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,910/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,039,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,840
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,169
−HK$2,363/mo
Today · 4.125%
HK$91,532
baseline
▲ 0.50% · 4.625%
HK$96,357
+HK$4,825/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,064/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,039,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,362
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$103,484
−HK$3,172/mo
Today · 4.125%
HK$106,656
baseline
▲ 0.50% · 4.625%
HK$113,146
+HK$6,490/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$213,312/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,652
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$114,646
−HK$3,038/mo
Today · 4.125%
HK$117,684
baseline
▲ 0.50% · 4.625%
HK$123,887
+HK$6,203/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$235,368/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,209 · Scale 2, in force from 26 Feb 2026)