LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,772
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,507
−HK$1,763/mo
Today · 4.125%
HK$59,270
baseline
▲ 0.50% · 4.625%
HK$62,876
+HK$3,606/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,540/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,046
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,710
−HK$1,688/mo
Today · 4.125%
HK$65,398
baseline
▲ 0.50% · 4.625%
HK$68,845
+HK$3,447/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,796/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,927
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$69,008
−HK$2,115/mo
Today · 4.125%
HK$71,123
baseline
▲ 0.50% · 4.625%
HK$75,451
+HK$4,328/mo
Deposit HK$9.78M · loan HK$14.68M · min. income ≈ HK$142,246/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,455
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,452
−HK$2,026/mo
Today · 4.125%
HK$78,478
baseline
▲ 0.50% · 4.625%
HK$82,614
+HK$4,136/mo
Deposit HK$9.78M · loan HK$14.68M · min. income ≈ HK$156,956/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,081
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,510
−HK$2,467/mo
Today · 4.125%
HK$82,977
baseline
▲ 0.50% · 4.625%
HK$88,026
+HK$5,049/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,954/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,864
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$89,194
−HK$2,363/mo
Today · 4.125%
HK$91,557
baseline
▲ 0.50% · 4.625%
HK$96,383
+HK$4,826/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,114/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,390
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$103,512
−HK$3,173/mo
Today · 4.125%
HK$106,685
baseline
▲ 0.50% · 4.625%
HK$113,177
+HK$6,492/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$213,370/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,683
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$114,678
−HK$3,039/mo
Today · 4.125%
HK$117,717
baseline
▲ 0.50% · 4.625%
HK$123,922
+HK$6,205/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$235,434/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,495 · Scale 2, in force from 26 Feb 2026)