LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,824
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,560
−HK$1,765/mo
Today · 4.125%
HK$59,325
baseline
▲ 0.50% · 4.625%
HK$62,934
+HK$3,609/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,650/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,104
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,769
−HK$1,690/mo
Today · 4.125%
HK$65,459
baseline
▲ 0.50% · 4.625%
HK$68,909
+HK$3,450/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,918/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,989
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,073
−HK$2,117/mo
Today · 4.125%
HK$71,190
baseline
▲ 0.50% · 4.625%
HK$75,521
+HK$4,331/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,380/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,524
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,523
−HK$2,028/mo
Today · 4.125%
HK$78,551
baseline
▲ 0.50% · 4.625%
HK$82,691
+HK$4,140/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,102/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,154
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,585
−HK$2,470/mo
Today · 4.125%
HK$83,055
baseline
▲ 0.50% · 4.625%
HK$88,108
+HK$5,053/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$166,110/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,945
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,277
−HK$2,365/mo
Today · 4.125%
HK$91,642
baseline
▲ 0.50% · 4.625%
HK$96,473
+HK$4,831/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$183,284/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,483
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$103,609
−HK$3,175/mo
Today · 4.125%
HK$106,784
baseline
▲ 0.50% · 4.625%
HK$113,282
+HK$6,498/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,568/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,787
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$114,785
−HK$3,041/mo
Today · 4.125%
HK$117,826
baseline
▲ 0.50% · 4.625%
HK$124,037
+HK$6,211/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,652/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,462 · Scale 2, in force from 26 Feb 2026)