LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,812
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,548
−HK$1,763/mo
Today · 4.125%
HK$59,311
baseline
▲ 0.50% · 4.625%
HK$62,920
+HK$3,609/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,622/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,090
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,755
−HK$1,689/mo
Today · 4.125%
HK$65,444
baseline
▲ 0.50% · 4.625%
HK$68,894
+HK$3,450/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,888/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,974
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,057
−HK$2,117/mo
Today · 4.125%
HK$71,174
baseline
▲ 0.50% · 4.625%
HK$75,505
+HK$4,331/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,348/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,508
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,506
−HK$2,027/mo
Today · 4.125%
HK$78,533
baseline
▲ 0.50% · 4.625%
HK$82,673
+HK$4,140/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,066/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,136
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,567
−HK$2,469/mo
Today · 4.125%
HK$83,036
baseline
▲ 0.50% · 4.625%
HK$88,089
+HK$5,053/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,072/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,926
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,257
−HK$2,365/mo
Today · 4.125%
HK$91,622
baseline
▲ 0.50% · 4.625%
HK$96,452
+HK$4,830/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,244/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,461
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$103,586
−HK$3,175/mo
Today · 4.125%
HK$106,761
baseline
▲ 0.50% · 4.625%
HK$113,257
+HK$6,496/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,522/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,762
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$114,759
−HK$3,041/mo
Today · 4.125%
HK$117,800
baseline
▲ 0.50% · 4.625%
HK$124,009
+HK$6,209/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,600/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,231 · Scale 2, in force from 26 Feb 2026)