LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,794
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,529
−HK$1,764/mo
Today · 4.125%
HK$59,293
baseline
▲ 0.50% · 4.625%
HK$62,901
+HK$3,608/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,586/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,070
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,735
−HK$1,689/mo
Today · 4.125%
HK$65,424
baseline
▲ 0.50% · 4.625%
HK$68,872
+HK$3,448/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,848/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,953
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,035
−HK$2,116/mo
Today · 4.125%
HK$71,151
baseline
▲ 0.50% · 4.625%
HK$75,481
+HK$4,330/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$142,302/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,039,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,484
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,482
−HK$2,026/mo
Today · 4.125%
HK$78,508
baseline
▲ 0.50% · 4.625%
HK$82,647
+HK$4,139/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$157,016/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,039,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,112
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$80,541
−HK$2,469/mo
Today · 4.125%
HK$83,010
baseline
▲ 0.50% · 4.625%
HK$88,061
+HK$5,051/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,020/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,898
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$89,229
−HK$2,364/mo
Today · 4.125%
HK$91,593
baseline
▲ 0.50% · 4.625%
HK$96,421
+HK$4,828/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,186/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,429
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$103,553
−HK$3,174/mo
Today · 4.125%
HK$106,727
baseline
▲ 0.50% · 4.625%
HK$113,221
+HK$6,494/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$213,454/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,726
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,723
−HK$3,040/mo
Today · 4.125%
HK$117,763
baseline
▲ 0.50% · 4.625%
HK$123,970
+HK$6,207/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$235,526/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,902 · Scale 2, in force from 26 Feb 2026)