LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,761
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,496
−HK$1,762/mo
Today · 4.125%
HK$59,258
baseline
▲ 0.50% · 4.625%
HK$62,864
+HK$3,606/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,516/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,034
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,697
−HK$1,688/mo
Today · 4.125%
HK$65,385
baseline
▲ 0.50% · 4.625%
HK$68,832
+HK$3,447/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,770/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,913
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$68,995
−HK$2,114/mo
Today · 4.125%
HK$71,109
baseline
▲ 0.50% · 4.625%
HK$75,436
+HK$4,327/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,218/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,440
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,437
−HK$2,025/mo
Today · 4.125%
HK$78,462
baseline
▲ 0.50% · 4.625%
HK$82,598
+HK$4,136/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,924/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,066
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,494
−HK$2,467/mo
Today · 4.125%
HK$82,961
baseline
▲ 0.50% · 4.625%
HK$88,009
+HK$5,048/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,922/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,847
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,176
−HK$2,363/mo
Today · 4.125%
HK$91,539
baseline
▲ 0.50% · 4.625%
HK$96,364
+HK$4,825/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,078/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,370
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$103,492
−HK$3,172/mo
Today · 4.125%
HK$106,664
baseline
▲ 0.50% · 4.625%
HK$113,154
+HK$6,490/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$213,328/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,661
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$114,655
−HK$3,038/mo
Today · 4.125%
HK$117,693
baseline
▲ 0.50% · 4.625%
HK$123,897
+HK$6,204/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$235,386/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,290 · Scale 2, in force from 26 Feb 2026)