LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,834
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,571
−HK$1,764/mo
Today · 4.125%
HK$59,335
baseline
▲ 0.50% · 4.625%
HK$62,945
+HK$3,610/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,670/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,115
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,780
−HK$1,690/mo
Today · 4.125%
HK$65,470
baseline
▲ 0.50% · 4.625%
HK$68,921
+HK$3,451/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,940/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,001
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,085
−HK$2,117/mo
Today · 4.125%
HK$71,202
baseline
▲ 0.50% · 4.625%
HK$75,535
+HK$4,333/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,404/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,537
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,537
−HK$2,028/mo
Today · 4.125%
HK$78,565
baseline
▲ 0.50% · 4.625%
HK$82,706
+HK$4,141/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,130/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,167
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,599
−HK$2,470/mo
Today · 4.125%
HK$83,069
baseline
▲ 0.50% · 4.625%
HK$88,124
+HK$5,055/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$166,138/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,960
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,293
−HK$2,366/mo
Today · 4.125%
HK$91,659
baseline
▲ 0.50% · 4.625%
HK$96,490
+HK$4,831/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$183,318/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,501
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$103,627
−HK$3,176/mo
Today · 4.125%
HK$106,803
baseline
▲ 0.50% · 4.625%
HK$113,302
+HK$6,499/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$213,606/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,806
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$114,805
−HK$3,042/mo
Today · 4.125%
HK$117,847
baseline
▲ 0.50% · 4.625%
HK$124,059
+HK$6,212/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$235,694/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,646 · Scale 2, in force from 26 Feb 2026)