LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,776
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,511
−HK$1,763/mo
Today · 4.125%
HK$59,274
baseline
▲ 0.50% · 4.625%
HK$62,880
+HK$3,606/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,548/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,050
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,714
−HK$1,689/mo
Today · 4.125%
HK$65,403
baseline
▲ 0.50% · 4.625%
HK$68,850
+HK$3,447/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,806/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,931
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,013
−HK$2,115/mo
Today · 4.125%
HK$71,128
baseline
▲ 0.50% · 4.625%
HK$75,456
+HK$4,328/mo
Deposit HK$9.78M · loan HK$14.68M · min. income ≈ HK$142,256/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,460
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,457
−HK$2,026/mo
Today · 4.125%
HK$78,483
baseline
▲ 0.50% · 4.625%
HK$82,620
+HK$4,137/mo
Deposit HK$9.78M · loan HK$14.68M · min. income ≈ HK$156,966/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,086
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,515
−HK$2,468/mo
Today · 4.125%
HK$82,983
baseline
▲ 0.50% · 4.625%
HK$88,032
+HK$5,049/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,966/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,870
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,200
−HK$2,364/mo
Today · 4.125%
HK$91,564
baseline
▲ 0.50% · 4.625%
HK$96,390
+HK$4,826/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,128/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,397
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$103,520
−HK$3,173/mo
Today · 4.125%
HK$106,693
baseline
▲ 0.50% · 4.625%
HK$113,185
+HK$6,492/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$213,386/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,690
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$114,686
−HK$3,039/mo
Today · 4.125%
HK$117,725
baseline
▲ 0.50% · 4.625%
HK$123,930
+HK$6,205/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$235,450/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,568 · Scale 2, in force from 26 Feb 2026)