LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,803
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,538
−HK$1,764/mo
Today · 4.125%
HK$59,302
baseline
▲ 0.50% · 4.625%
HK$62,910
+HK$3,608/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,604/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,080
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,745
−HK$1,689/mo
Today · 4.125%
HK$65,434
baseline
▲ 0.50% · 4.625%
HK$68,883
+HK$3,449/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,868/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,963
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,046
−HK$2,116/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$1,040,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,496
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,494
−HK$2,026/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$1,040,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,124
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$80,554
−HK$2,469/mo
Today · 4.125%
HK$83,023
baseline
▲ 0.50% · 4.625%
HK$88,074
+HK$5,051/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,046/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,912
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$89,243
−HK$2,364/mo
Today · 4.125%
HK$91,607
baseline
▲ 0.50% · 4.625%
HK$96,436
+HK$4,829/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$1,040,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,445
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$103,569
−HK$3,174/mo
Today · 4.125%
HK$106,743
baseline
▲ 0.50% · 4.625%
HK$113,238
+HK$6,495/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$213,486/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,744
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,740
−HK$3,041/mo
Today · 4.125%
HK$117,781
baseline
▲ 0.50% · 4.625%
HK$123,989
+HK$6,208/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$235,562/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,062 · Scale 2, in force from 26 Feb 2026)