LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,828
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,564
−HK$1,764/mo
Today · 4.125%
HK$59,328
baseline
▲ 0.50% · 4.625%
HK$62,938
+HK$3,610/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,656/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,108
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,773
−HK$1,690/mo
Today · 4.125%
HK$65,463
baseline
▲ 0.50% · 4.625%
HK$68,914
+HK$3,451/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,926/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,993
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,077
−HK$2,117/mo
Today · 4.125%
HK$71,194
baseline
▲ 0.50% · 4.625%
HK$75,526
+HK$4,332/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,388/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,529
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,528
−HK$2,028/mo
Today · 4.125%
HK$78,556
baseline
▲ 0.50% · 4.625%
HK$82,697
+HK$4,141/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,112/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,159
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,590
−HK$2,470/mo
Today · 4.125%
HK$83,060
baseline
▲ 0.50% · 4.625%
HK$88,114
+HK$5,054/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$166,120/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,951
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,283
−HK$2,365/mo
Today · 4.125%
HK$91,648
baseline
▲ 0.50% · 4.625%
HK$96,479
+HK$4,831/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$183,296/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,490
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$103,615
−HK$3,176/mo
Today · 4.125%
HK$106,791
baseline
▲ 0.50% · 4.625%
HK$113,289
+HK$6,498/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,582/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,794
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$114,792
−HK$3,042/mo
Today · 4.125%
HK$117,834
baseline
▲ 0.50% · 4.625%
HK$124,045
+HK$6,211/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,668/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,529 · Scale 2, in force from 26 Feb 2026)