LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,763
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,497
−HK$1,763/mo
Today · 4.125%
HK$59,260
baseline
▲ 0.50% · 4.625%
HK$62,865
+HK$3,605/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,520/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,036
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,699
−HK$1,688/mo
Today · 4.125%
HK$65,387
baseline
▲ 0.50% · 4.625%
HK$68,834
+HK$3,447/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,774/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,915
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$68,997
−HK$2,115/mo
Today · 4.125%
HK$71,112
baseline
▲ 0.50% · 4.625%
HK$75,439
+HK$4,327/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,224/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,443
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,439
−HK$2,026/mo
Today · 4.125%
HK$78,465
baseline
▲ 0.50% · 4.625%
HK$82,601
+HK$4,136/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,930/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,068
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,496
−HK$2,468/mo
Today · 4.125%
HK$82,964
baseline
▲ 0.50% · 4.625%
HK$88,012
+HK$5,048/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,928/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,850
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,179
−HK$2,363/mo
Today · 4.125%
HK$91,542
baseline
▲ 0.50% · 4.625%
HK$96,367
+HK$4,825/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,084/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,373
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$103,495
−HK$3,172/mo
Today · 4.125%
HK$106,667
baseline
▲ 0.50% · 4.625%
HK$113,158
+HK$6,491/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$213,334/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,664
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$114,659
−HK$3,038/mo
Today · 4.125%
HK$117,697
baseline
▲ 0.50% · 4.625%
HK$123,901
+HK$6,204/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$235,394/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,322 · Scale 2, in force from 26 Feb 2026)