LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,891
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,629
−HK$1,767/mo
Today · 4.125%
HK$59,396
baseline
▲ 0.50% · 4.625%
HK$63,010
+HK$3,614/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,792/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,178
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,846
−HK$1,691/mo
Today · 4.125%
HK$65,537
baseline
▲ 0.50% · 4.625%
HK$68,992
+HK$3,455/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,074/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,069
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,155
−HK$2,120/mo
Today · 4.125%
HK$71,275
baseline
▲ 0.50% · 4.625%
HK$75,612
+HK$4,337/mo
Deposit HK$9.80M · loan HK$14.71M · min. income ≈ HK$142,550/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,614
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,615
−HK$2,030/mo
Today · 4.125%
HK$78,645
baseline
▲ 0.50% · 4.625%
HK$82,790
+HK$4,145/mo
Deposit HK$9.80M · loan HK$14.71M · min. income ≈ HK$157,290/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,247
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,681
−HK$2,473/mo
Today · 4.125%
HK$83,154
baseline
▲ 0.50% · 4.625%
HK$88,214
+HK$5,060/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$166,308/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,049
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,384
−HK$2,368/mo
Today · 4.125%
HK$91,752
baseline
▲ 0.50% · 4.625%
HK$96,589
+HK$4,837/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$183,504/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,604
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$103,733
−HK$3,179/mo
Today · 4.125%
HK$106,912
baseline
▲ 0.50% · 4.625%
HK$113,418
+HK$6,506/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,824/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,921
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$114,922
−HK$3,045/mo
Today · 4.125%
HK$117,967
baseline
▲ 0.50% · 4.625%
HK$124,185
+HK$6,218/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,934/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,709 · Scale 2, in force from 26 Feb 2026)