LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,802
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,538
−HK$1,763/mo
Today · 4.125%
HK$59,301
baseline
▲ 0.50% · 4.625%
HK$62,910
+HK$3,609/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,602/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,079
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,744
−HK$1,689/mo
Today · 4.125%
HK$65,433
baseline
▲ 0.50% · 4.625%
HK$68,882
+HK$3,449/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,866/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,963
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,045
−HK$2,117/mo
Today · 4.125%
HK$71,162
baseline
▲ 0.50% · 4.625%
HK$75,492
+HK$4,330/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$142,324/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,495
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,493
−HK$2,027/mo
Today · 4.125%
HK$78,520
baseline
▲ 0.50% · 4.625%
HK$82,659
+HK$4,139/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$157,040/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,123
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$80,553
−HK$2,469/mo
Today · 4.125%
HK$83,022
baseline
▲ 0.50% · 4.625%
HK$88,074
+HK$5,052/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,044/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,911
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,242
−HK$2,365/mo
Today · 4.125%
HK$91,607
baseline
▲ 0.50% · 4.625%
HK$96,435
+HK$4,828/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,214/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,444
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$103,568
−HK$3,174/mo
Today · 4.125%
HK$106,742
baseline
▲ 0.50% · 4.625%
HK$113,237
+HK$6,495/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$213,484/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,743
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,740
−HK$3,040/mo
Today · 4.125%
HK$117,780
baseline
▲ 0.50% · 4.625%
HK$123,988
+HK$6,208/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$235,560/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,054 · Scale 2, in force from 26 Feb 2026)