LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,818
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,554
−HK$1,764/mo
Today · 4.125%
HK$59,318
baseline
▲ 0.50% · 4.625%
HK$62,927
+HK$3,609/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,636/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,097
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,762
−HK$1,689/mo
Today · 4.125%
HK$65,451
baseline
▲ 0.50% · 4.625%
HK$68,901
+HK$3,450/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,902/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,981
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,065
−HK$2,116/mo
Today · 4.125%
HK$71,181
baseline
▲ 0.50% · 4.625%
HK$75,513
+HK$4,332/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,362/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,516
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,514
−HK$2,028/mo
Today · 4.125%
HK$78,542
baseline
▲ 0.50% · 4.625%
HK$82,682
+HK$4,140/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,084/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,145
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,575
−HK$2,470/mo
Today · 4.125%
HK$83,045
baseline
▲ 0.50% · 4.625%
HK$88,098
+HK$5,053/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$166,090/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,935
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,267
−HK$2,365/mo
Today · 4.125%
HK$91,632
baseline
▲ 0.50% · 4.625%
HK$96,462
+HK$4,830/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$183,264/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,472
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$103,597
−HK$3,175/mo
Today · 4.125%
HK$106,772
baseline
▲ 0.50% · 4.625%
HK$113,269
+HK$6,497/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,544/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,774
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$114,771
−HK$3,042/mo
Today · 4.125%
HK$117,813
baseline
▲ 0.50% · 4.625%
HK$124,023
+HK$6,210/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,626/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,343 · Scale 2, in force from 26 Feb 2026)