LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,839
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,575
−HK$1,765/mo
Today · 4.125%
HK$59,340
baseline
▲ 0.50% · 4.625%
HK$62,951
+HK$3,611/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$1,040,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,120
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,786
−HK$1,690/mo
Today · 4.125%
HK$65,476
baseline
▲ 0.50% · 4.625%
HK$68,927
+HK$3,451/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,952/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,006
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,091
−HK$2,117/mo
Today · 4.125%
HK$71,208
baseline
▲ 0.50% · 4.625%
HK$75,541
+HK$4,333/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$1,040,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,544
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,543
−HK$2,028/mo
Today · 4.125%
HK$78,571
baseline
▲ 0.50% · 4.625%
HK$82,713
+HK$4,142/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$1,040,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,174
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,606
−HK$2,470/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$1,040,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,968
−HK$4,698/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$1,040,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,509
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$103,636
−HK$3,176/mo
Today · 4.125%
HK$106,812
baseline
▲ 0.50% · 4.625%
HK$113,312
+HK$6,500/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$213,624/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,816
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$114,815
−HK$3,042/mo
Today · 4.125%
HK$117,857
baseline
▲ 0.50% · 4.625%
HK$124,069
+HK$6,212/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$235,714/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,734 · Scale 2, in force from 26 Feb 2026)