LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,786
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,521
−HK$1,763/mo
Today · 4.125%
HK$59,284
baseline
▲ 0.50% · 4.625%
HK$62,892
+HK$3,608/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,568/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,061
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,726
−HK$1,688/mo
Today · 4.125%
HK$65,414
baseline
▲ 0.50% · 4.625%
HK$68,862
+HK$3,448/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,828/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,943
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,026
−HK$2,115/mo
Today · 4.125%
HK$71,141
baseline
▲ 0.50% · 4.625%
HK$75,470
+HK$4,329/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$142,282/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,039,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,474
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,471
−HK$2,026/mo
Today · 4.125%
HK$78,497
baseline
▲ 0.50% · 4.625%
HK$82,635
+HK$4,138/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$156,994/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,039,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,100
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$80,530
−HK$2,468/mo
Today · 4.125%
HK$82,998
baseline
▲ 0.50% · 4.625%
HK$88,048
+HK$5,050/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$165,996/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,886
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,216
−HK$2,364/mo
Today · 4.125%
HK$91,580
baseline
▲ 0.50% · 4.625%
HK$96,407
+HK$4,827/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,160/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,415
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,538
−HK$3,174/mo
Today · 4.125%
HK$106,712
baseline
▲ 0.50% · 4.625%
HK$113,205
+HK$6,493/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$213,424/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,711
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$114,707
−HK$3,039/mo
Today · 4.125%
HK$117,746
baseline
▲ 0.50% · 4.625%
HK$123,952
+HK$6,206/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$235,492/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,755 · Scale 2, in force from 26 Feb 2026)