LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,892
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,631
−HK$1,766/mo
Today · 4.125%
HK$59,397
baseline
▲ 0.50% · 4.625%
HK$63,011
+HK$3,614/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,794/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,180
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,847
−HK$1,692/mo
Today · 4.125%
HK$65,539
baseline
▲ 0.50% · 4.625%
HK$68,994
+HK$3,455/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,078/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,071
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,157
−HK$2,120/mo
Today · 4.125%
HK$71,277
baseline
▲ 0.50% · 4.625%
HK$75,614
+HK$4,337/mo
Deposit HK$9.80M · loan HK$14.71M · min. income ≈ HK$142,554/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,615
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,617
−HK$2,030/mo
Today · 4.125%
HK$78,647
baseline
▲ 0.50% · 4.625%
HK$82,792
+HK$4,145/mo
Deposit HK$9.80M · loan HK$14.71M · min. income ≈ HK$157,294/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,249
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,683
−HK$2,473/mo
Today · 4.125%
HK$83,156
baseline
▲ 0.50% · 4.625%
HK$88,216
+HK$5,060/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$166,312/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,051
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,386
−HK$2,368/mo
Today · 4.125%
HK$91,754
baseline
▲ 0.50% · 4.625%
HK$96,591
+HK$4,837/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$183,508/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,606
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$103,735
−HK$3,180/mo
Today · 4.125%
HK$106,915
baseline
▲ 0.50% · 4.625%
HK$113,420
+HK$6,505/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,830/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,923
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$114,925
−HK$3,045/mo
Today · 4.125%
HK$117,970
baseline
▲ 0.50% · 4.625%
HK$124,188
+HK$6,218/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,940/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,734 · Scale 2, in force from 26 Feb 2026)