LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,825
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,562
−HK$1,764/mo
Today · 4.125%
HK$59,326
baseline
▲ 0.50% · 4.625%
HK$62,936
+HK$3,610/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,652/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,105
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,771
−HK$1,690/mo
Today · 4.125%
HK$65,461
baseline
▲ 0.50% · 4.625%
HK$68,911
+HK$3,450/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,922/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,990
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,074
−HK$2,117/mo
Today · 4.125%
HK$71,191
baseline
▲ 0.50% · 4.625%
HK$75,523
+HK$4,332/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,382/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,526
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,525
−HK$2,028/mo
Today · 4.125%
HK$78,553
baseline
▲ 0.50% · 4.625%
HK$82,693
+HK$4,140/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,106/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,156
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,587
−HK$2,470/mo
Today · 4.125%
HK$83,057
baseline
▲ 0.50% · 4.625%
HK$88,110
+HK$5,053/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$166,114/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,947
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$89,279
−HK$2,366/mo
Today · 4.125%
HK$91,645
baseline
▲ 0.50% · 4.625%
HK$96,476
+HK$4,831/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$183,290/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,486
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$103,611
−HK$3,176/mo
Today · 4.125%
HK$106,787
baseline
▲ 0.50% · 4.625%
HK$113,285
+HK$6,498/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,574/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,789
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$114,788
−HK$3,041/mo
Today · 4.125%
HK$117,829
baseline
▲ 0.50% · 4.625%
HK$124,040
+HK$6,211/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,658/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,489 · Scale 2, in force from 26 Feb 2026)