LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,789
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,524
−HK$1,763/mo
Today · 4.125%
HK$59,287
baseline
▲ 0.50% · 4.625%
HK$62,895
+HK$3,608/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,574/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,065
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,729
−HK$1,689/mo
Today · 4.125%
HK$65,418
baseline
▲ 0.50% · 4.625%
HK$68,866
+HK$3,448/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,836/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,947
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,029
−HK$2,116/mo
Today · 4.125%
HK$71,145
baseline
▲ 0.50% · 4.625%
HK$75,474
+HK$4,329/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$142,290/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,039,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,478
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,475
−HK$2,026/mo
Today · 4.125%
HK$78,501
baseline
▲ 0.50% · 4.625%
HK$82,639
+HK$4,138/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$157,002/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,039,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,104
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$80,534
−HK$2,468/mo
Today · 4.125%
HK$83,002
baseline
▲ 0.50% · 4.625%
HK$88,053
+HK$5,051/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,004/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,890
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$89,221
−HK$2,364/mo
Today · 4.125%
HK$91,585
baseline
▲ 0.50% · 4.625%
HK$96,412
+HK$4,827/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,170/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,420
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,544
−HK$3,173/mo
Today · 4.125%
HK$106,717
baseline
▲ 0.50% · 4.625%
HK$113,211
+HK$6,494/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$213,434/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,716
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$114,712
−HK$3,040/mo
Today · 4.125%
HK$117,752
baseline
▲ 0.50% · 4.625%
HK$123,959
+HK$6,207/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$235,504/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,809 · Scale 2, in force from 26 Feb 2026)