LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,762
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,497
−HK$1,762/mo
Today · 4.125%
HK$59,259
baseline
▲ 0.50% · 4.625%
HK$62,865
+HK$3,606/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,518/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,035
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,698
−HK$1,688/mo
Today · 4.125%
HK$65,386
baseline
▲ 0.50% · 4.625%
HK$68,833
+HK$3,447/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,772/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,914
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$68,996
−HK$2,115/mo
Today · 4.125%
HK$71,111
baseline
▲ 0.50% · 4.625%
HK$75,437
+HK$4,326/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,222/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,442
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,438
−HK$2,025/mo
Today · 4.125%
HK$78,463
baseline
▲ 0.50% · 4.625%
HK$82,599
+HK$4,136/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,926/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,067
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,495
−HK$2,467/mo
Today · 4.125%
HK$82,962
baseline
▲ 0.50% · 4.625%
HK$88,010
+HK$5,048/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,924/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,849
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,178
−HK$2,363/mo
Today · 4.125%
HK$91,541
baseline
▲ 0.50% · 4.625%
HK$96,366
+HK$4,825/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,082/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,372
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$103,494
−HK$3,172/mo
Today · 4.125%
HK$106,666
baseline
▲ 0.50% · 4.625%
HK$113,156
+HK$6,490/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$213,332/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,662
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$114,657
−HK$3,038/mo
Today · 4.125%
HK$117,695
baseline
▲ 0.50% · 4.625%
HK$123,899
+HK$6,204/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$235,390/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,307 · Scale 2, in force from 26 Feb 2026)