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$62,928
+HK$3,610/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$1,040,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,097
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,762
−HK$1,690/mo
Today · 4.125%
HK$65,452
baseline
▲ 0.50% · 4.625%
HK$68,902
+HK$3,450/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,904/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,982
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,065
−HK$2,117/mo
Today · 4.125%
HK$71,182
baseline
▲ 0.50% · 4.625%
HK$75,513
+HK$4,331/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,364/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,516
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,515
−HK$2,027/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$1,040,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,145
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,576
−HK$2,470/mo
Today · 4.125%
HK$83,046
baseline
▲ 0.50% · 4.625%
HK$88,099
+HK$5,053/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$166,092/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,936
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,267
−HK$2,366/mo
Today · 4.125%
HK$91,633
baseline
▲ 0.50% · 4.625%
HK$96,463
+HK$4,830/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$183,266/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,472
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$103,598
−HK$3,175/mo
Today · 4.125%
HK$106,773
baseline
▲ 0.50% · 4.625%
HK$113,270
+HK$6,497/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,546/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,774
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$114,772
−HK$3,041/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$1,040,349 · Scale 2, in force from 26 Feb 2026)