LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,809
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,545
−HK$1,764/mo
Today · 4.125%
HK$59,309
baseline
▲ 0.50% · 4.625%
HK$62,918
+HK$3,609/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,618/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,087
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,752
−HK$1,689/mo
Today · 4.125%
HK$65,441
baseline
▲ 0.50% · 4.625%
HK$68,891
+HK$3,450/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,882/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,971
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,054
−HK$2,116/mo
Today · 4.125%
HK$71,170
baseline
▲ 0.50% · 4.625%
HK$75,501
+HK$4,331/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$142,340/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,504
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,502
−HK$2,028/mo
Today · 4.125%
HK$78,530
baseline
▲ 0.50% · 4.625%
HK$82,669
+HK$4,139/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$157,060/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,133
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$80,563
−HK$2,469/mo
Today · 4.125%
HK$83,032
baseline
▲ 0.50% · 4.625%
HK$88,085
+HK$5,053/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,064/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,922
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,253
−HK$2,365/mo
Today · 4.125%
HK$91,618
baseline
▲ 0.50% · 4.625%
HK$96,447
+HK$4,829/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,236/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,456
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$103,581
−HK$3,175/mo
Today · 4.125%
HK$106,756
baseline
▲ 0.50% · 4.625%
HK$113,252
+HK$6,496/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,512/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,756
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$114,754
−HK$3,040/mo
Today · 4.125%
HK$117,794
baseline
▲ 0.50% · 4.625%
HK$124,003
+HK$6,209/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,588/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,183 · Scale 2, in force from 26 Feb 2026)