LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,830
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,566
−HK$1,765/mo
Today · 4.125%
HK$59,331
baseline
▲ 0.50% · 4.625%
HK$62,941
+HK$3,610/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,662/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,110
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,776
−HK$1,689/mo
Today · 4.125%
HK$65,465
baseline
▲ 0.50% · 4.625%
HK$68,916
+HK$3,451/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,930/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,995
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,079
−HK$2,118/mo
Today · 4.125%
HK$71,197
baseline
▲ 0.50% · 4.625%
HK$75,529
+HK$4,332/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,394/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,532
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,531
−HK$2,027/mo
Today · 4.125%
HK$78,558
baseline
▲ 0.50% · 4.625%
HK$82,699
+HK$4,141/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,116/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,161
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,593
−HK$2,470/mo
Today · 4.125%
HK$83,063
baseline
▲ 0.50% · 4.625%
HK$88,117
+HK$5,054/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$166,126/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,954
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$89,286
−HK$2,366/mo
Today · 4.125%
HK$91,652
baseline
▲ 0.50% · 4.625%
HK$96,483
+HK$4,831/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$183,304/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,493
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$103,619
−HK$3,176/mo
Today · 4.125%
HK$106,795
baseline
▲ 0.50% · 4.625%
HK$113,293
+HK$6,498/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$213,590/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,798
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$114,796
−HK$3,042/mo
Today · 4.125%
HK$117,838
baseline
▲ 0.50% · 4.625%
HK$124,049
+HK$6,211/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$235,676/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,565 · Scale 2, in force from 26 Feb 2026)