LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,832
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,569
−HK$1,765/mo
Today · 4.125%
HK$59,334
baseline
▲ 0.50% · 4.625%
HK$62,944
+HK$3,610/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,668/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,113
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,779
−HK$1,690/mo
Today · 4.125%
HK$65,469
baseline
▲ 0.50% · 4.625%
HK$68,920
+HK$3,451/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,938/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,999
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,083
−HK$2,117/mo
Today · 4.125%
HK$71,200
baseline
▲ 0.50% · 4.625%
HK$75,533
+HK$4,333/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,400/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,536
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,535
−HK$2,028/mo
Today · 4.125%
HK$78,563
baseline
▲ 0.50% · 4.625%
HK$82,704
+HK$4,141/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,126/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,165
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,597
−HK$2,470/mo
Today · 4.125%
HK$83,067
baseline
▲ 0.50% · 4.625%
HK$88,122
+HK$5,055/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$166,134/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,958
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$89,290
−HK$2,366/mo
Today · 4.125%
HK$91,656
baseline
▲ 0.50% · 4.625%
HK$96,488
+HK$4,832/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$183,312/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,498
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$103,625
−HK$3,176/mo
Today · 4.125%
HK$106,801
baseline
▲ 0.50% · 4.625%
HK$113,299
+HK$6,498/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$213,602/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,804
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$114,802
−HK$3,042/mo
Today · 4.125%
HK$117,844
baseline
▲ 0.50% · 4.625%
HK$124,056
+HK$6,212/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$235,688/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,620 · Scale 2, in force from 26 Feb 2026)