LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,839
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,576
−HK$1,765/mo
Today · 4.125%
HK$59,341
baseline
▲ 0.50% · 4.625%
HK$62,952
+HK$3,611/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,682/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,121
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,787
−HK$1,690/mo
Today · 4.125%
HK$65,477
baseline
▲ 0.50% · 4.625%
HK$68,928
+HK$3,451/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,954/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,007
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,092
−HK$2,117/mo
Today · 4.125%
HK$71,209
baseline
▲ 0.50% · 4.625%
HK$75,542
+HK$4,333/mo
Deposit HK$9.80M · loan HK$14.69M · min. income ≈ HK$142,418/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,545
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,544
−HK$2,028/mo
Today · 4.125%
HK$78,572
baseline
▲ 0.50% · 4.625%
HK$82,714
+HK$4,142/mo
Deposit HK$9.80M · loan HK$14.69M · min. income ≈ HK$157,144/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,175
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$80,607
−HK$2,471/mo
Today · 4.125%
HK$83,078
baseline
▲ 0.50% · 4.625%
HK$88,133
+HK$5,055/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$166,156/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,969
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,302
−HK$2,366/mo
Today · 4.125%
HK$91,668
baseline
▲ 0.50% · 4.625%
HK$96,500
+HK$4,832/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$183,336/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,511
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$103,638
−HK$3,176/mo
Today · 4.125%
HK$106,814
baseline
▲ 0.50% · 4.625%
HK$113,313
+HK$6,499/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$213,628/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,818
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$114,816
−HK$3,043/mo
Today · 4.125%
HK$117,859
baseline
▲ 0.50% · 4.625%
HK$124,071
+HK$6,212/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$235,718/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,751 · Scale 2, in force from 26 Feb 2026)