LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,800
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,535
−HK$1,764/mo
Today · 4.125%
HK$59,299
baseline
▲ 0.50% · 4.625%
HK$62,907
+HK$3,608/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,598/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,077
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,741
−HK$1,689/mo
Today · 4.125%
HK$65,430
baseline
▲ 0.50% · 4.625%
HK$68,879
+HK$3,449/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,860/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,960
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,042
−HK$2,117/mo
Today · 4.125%
HK$71,159
baseline
▲ 0.50% · 4.625%
HK$75,488
+HK$4,329/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$142,318/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,492
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,490
−HK$2,026/mo
Today · 4.125%
HK$78,516
baseline
▲ 0.50% · 4.625%
HK$82,655
+HK$4,139/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$157,032/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,120
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$80,549
−HK$2,469/mo
Today · 4.125%
HK$83,018
baseline
▲ 0.50% · 4.625%
HK$88,070
+HK$5,052/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,036/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,907
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,238
−HK$2,365/mo
Today · 4.125%
HK$91,603
baseline
▲ 0.50% · 4.625%
HK$96,431
+HK$4,828/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,206/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,439
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$103,564
−HK$3,174/mo
Today · 4.125%
HK$106,738
baseline
▲ 0.50% · 4.625%
HK$113,233
+HK$6,495/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$213,476/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,738
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,735
−HK$3,040/mo
Today · 4.125%
HK$117,775
baseline
▲ 0.50% · 4.625%
HK$123,983
+HK$6,208/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$235,550/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,009 · Scale 2, in force from 26 Feb 2026)