LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,838
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,575
−HK$1,765/mo
Today · 4.125%
HK$59,340
baseline
▲ 0.50% · 4.625%
HK$62,950
+HK$3,610/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,680/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,119
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,785
−HK$1,690/mo
Today · 4.125%
HK$65,475
baseline
▲ 0.50% · 4.625%
HK$68,927
+HK$3,452/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,950/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,006
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,090
−HK$2,118/mo
Today · 4.125%
HK$71,208
baseline
▲ 0.50% · 4.625%
HK$75,540
+HK$4,332/mo
Deposit HK$9.80M · loan HK$14.69M · min. income ≈ HK$142,416/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,543
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,542
−HK$2,029/mo
Today · 4.125%
HK$78,571
baseline
▲ 0.50% · 4.625%
HK$82,712
+HK$4,141/mo
Deposit HK$9.80M · loan HK$14.69M · min. income ≈ HK$157,142/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,173
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$80,605
−HK$2,471/mo
Today · 4.125%
HK$83,076
baseline
▲ 0.50% · 4.625%
HK$88,131
+HK$5,055/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$166,152/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,967
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,300
−HK$2,366/mo
Today · 4.125%
HK$91,666
baseline
▲ 0.50% · 4.625%
HK$96,498
+HK$4,832/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$183,332/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,509
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$103,635
−HK$3,176/mo
Today · 4.125%
HK$106,811
baseline
▲ 0.50% · 4.625%
HK$113,311
+HK$6,500/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$213,622/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,815
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$114,814
−HK$3,042/mo
Today · 4.125%
HK$117,856
baseline
▲ 0.50% · 4.625%
HK$124,068
+HK$6,212/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$235,712/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,726 · Scale 2, in force from 26 Feb 2026)