LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,832
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,568
−HK$1,765/mo
Today · 4.125%
HK$59,333
baseline
▲ 0.50% · 4.625%
HK$62,943
+HK$3,610/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,666/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,112
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,778
−HK$1,690/mo
Today · 4.125%
HK$65,468
baseline
▲ 0.50% · 4.625%
HK$68,919
+HK$3,451/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,936/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,998
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,082
−HK$2,117/mo
Today · 4.125%
HK$71,199
baseline
▲ 0.50% · 4.625%
HK$75,532
+HK$4,333/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,398/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,535
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,534
−HK$2,028/mo
Today · 4.125%
HK$78,562
baseline
▲ 0.50% · 4.625%
HK$82,703
+HK$4,141/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,124/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,164
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,596
−HK$2,470/mo
Today · 4.125%
HK$83,066
baseline
▲ 0.50% · 4.625%
HK$88,120
+HK$5,054/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$166,132/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,957
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$89,289
−HK$2,366/mo
Today · 4.125%
HK$91,655
baseline
▲ 0.50% · 4.625%
HK$96,486
+HK$4,831/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$183,310/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,497
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$103,623
−HK$3,176/mo
Today · 4.125%
HK$106,799
baseline
▲ 0.50% · 4.625%
HK$113,298
+HK$6,499/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$213,598/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,802
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$114,800
−HK$3,042/mo
Today · 4.125%
HK$117,842
baseline
▲ 0.50% · 4.625%
HK$124,054
+HK$6,212/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$235,684/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,606 · Scale 2, in force from 26 Feb 2026)