LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,814
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,550
−HK$1,764/mo
Today · 4.125%
HK$59,314
baseline
▲ 0.50% · 4.625%
HK$62,923
+HK$3,609/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,628/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,092
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,757
−HK$1,690/mo
Today · 4.125%
HK$65,447
baseline
▲ 0.50% · 4.625%
HK$68,896
+HK$3,449/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,894/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,976
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,060
−HK$2,116/mo
Today · 4.125%
HK$71,176
baseline
▲ 0.50% · 4.625%
HK$75,507
+HK$4,331/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,352/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,510
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,509
−HK$2,027/mo
Today · 4.125%
HK$78,536
baseline
▲ 0.50% · 4.625%
HK$82,676
+HK$4,140/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,072/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,139
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,570
−HK$2,469/mo
Today · 4.125%
HK$83,039
baseline
▲ 0.50% · 4.625%
HK$88,092
+HK$5,053/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,078/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,929
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,260
−HK$2,365/mo
Today · 4.125%
HK$91,625
baseline
▲ 0.50% · 4.625%
HK$96,455
+HK$4,830/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,250/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,464
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$103,589
−HK$3,175/mo
Today · 4.125%
HK$106,764
baseline
▲ 0.50% · 4.625%
HK$113,261
+HK$6,497/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,528/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,766
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$114,763
−HK$3,041/mo
Today · 4.125%
HK$117,804
baseline
▲ 0.50% · 4.625%
HK$124,014
+HK$6,210/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,608/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,268 · Scale 2, in force from 26 Feb 2026)