LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,773
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,508
−HK$1,763/mo
Today · 4.125%
HK$59,271
baseline
▲ 0.50% · 4.625%
HK$62,877
+HK$3,606/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,542/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,047
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,711
−HK$1,688/mo
Today · 4.125%
HK$65,399
baseline
▲ 0.50% · 4.625%
HK$68,847
+HK$3,448/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,798/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,928
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,010
−HK$2,115/mo
Today · 4.125%
HK$71,125
baseline
▲ 0.50% · 4.625%
HK$75,453
+HK$4,328/mo
Deposit HK$9.78M · loan HK$14.68M · min. income ≈ HK$142,250/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,457
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,453
−HK$2,026/mo
Today · 4.125%
HK$78,479
baseline
▲ 0.50% · 4.625%
HK$82,616
+HK$4,137/mo
Deposit HK$9.78M · loan HK$14.68M · min. income ≈ HK$156,958/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,082
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,511
−HK$2,468/mo
Today · 4.125%
HK$82,979
baseline
▲ 0.50% · 4.625%
HK$88,028
+HK$5,049/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,958/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,866
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$89,196
−HK$2,363/mo
Today · 4.125%
HK$91,559
baseline
▲ 0.50% · 4.625%
HK$96,385
+HK$4,826/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,118/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,392
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$103,514
−HK$3,173/mo
Today · 4.125%
HK$106,687
baseline
▲ 0.50% · 4.625%
HK$113,179
+HK$6,492/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$213,374/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,685
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$114,680
−HK$3,039/mo
Today · 4.125%
HK$117,719
baseline
▲ 0.50% · 4.625%
HK$123,924
+HK$6,205/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$235,438/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,515 · Scale 2, in force from 26 Feb 2026)