LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,783
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,519
−HK$1,762/mo
Today · 4.125%
HK$59,281
baseline
▲ 0.50% · 4.625%
HK$62,889
+HK$3,608/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,562/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,058
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,723
−HK$1,688/mo
Today · 4.125%
HK$65,411
baseline
▲ 0.50% · 4.625%
HK$68,859
+HK$3,448/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,822/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,940
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,022
−HK$2,116/mo
Today · 4.125%
HK$71,138
baseline
▲ 0.50% · 4.625%
HK$75,466
+HK$4,328/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$142,276/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,039,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,470
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,467
−HK$2,026/mo
Today · 4.125%
HK$78,493
baseline
▲ 0.50% · 4.625%
HK$82,631
+HK$4,138/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$156,986/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,039,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,097
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,526
−HK$2,468/mo
Today · 4.125%
HK$82,994
baseline
▲ 0.50% · 4.625%
HK$88,044
+HK$5,050/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,988/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,882
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,212
−HK$2,364/mo
Today · 4.125%
HK$91,576
baseline
▲ 0.50% · 4.625%
HK$96,403
+HK$4,827/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,152/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,410
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,533
−HK$3,174/mo
Today · 4.125%
HK$106,707
baseline
▲ 0.50% · 4.625%
HK$113,199
+HK$6,492/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$213,414/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,705
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$114,701
−HK$3,039/mo
Today · 4.125%
HK$117,740
baseline
▲ 0.50% · 4.625%
HK$123,946
+HK$6,206/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$235,480/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,704 · Scale 2, in force from 26 Feb 2026)