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$1,040,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,110
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,776
−HK$1,690/mo
Today · 4.125%
HK$65,466
baseline
▲ 0.50% · 4.625%
HK$68,916
+HK$3,450/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,932/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,996
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,080
−HK$2,117/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$1,040,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,532
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,531
−HK$2,028/mo
Today · 4.125%
HK$78,559
baseline
▲ 0.50% · 4.625%
HK$82,700
+HK$4,141/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,118/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,162
−HK$4,901/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$1,040,571 · 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$1,040,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,494
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$103,620
−HK$3,175/mo
Today · 4.125%
HK$106,795
baseline
▲ 0.50% · 4.625%
HK$113,294
+HK$6,499/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$1,040,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,798
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$114,797
−HK$3,041/mo
Today · 4.125%
HK$117,838
baseline
▲ 0.50% · 4.625%
HK$124,050
+HK$6,212/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$1,040,571 · Scale 2, in force from 26 Feb 2026)