LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,893
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,631
−HK$1,767/mo
Today · 4.125%
HK$59,398
baseline
▲ 0.50% · 4.625%
HK$63,012
+HK$3,614/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,796/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,180
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,848
−HK$1,692/mo
Today · 4.125%
HK$65,540
baseline
▲ 0.50% · 4.625%
HK$68,994
+HK$3,454/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,080/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,071
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,158
−HK$2,119/mo
Today · 4.125%
HK$71,277
baseline
▲ 0.50% · 4.625%
HK$75,615
+HK$4,338/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$1,041,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,616
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,618
−HK$2,030/mo
Today · 4.125%
HK$78,648
baseline
▲ 0.50% · 4.625%
HK$82,793
+HK$4,145/mo
Deposit HK$9.80M · loan HK$14.71M · min. income ≈ HK$157,296/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,250
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,684
−HK$2,473/mo
Today · 4.125%
HK$83,157
baseline
▲ 0.50% · 4.625%
HK$88,217
+HK$5,060/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$166,314/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,052
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,387
−HK$2,369/mo
Today · 4.125%
HK$91,756
baseline
▲ 0.50% · 4.625%
HK$96,592
+HK$4,836/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$183,512/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,607
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$103,737
−HK$3,179/mo
Today · 4.125%
HK$106,916
baseline
▲ 0.50% · 4.625%
HK$113,422
+HK$6,506/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,832/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,925
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$114,926
−HK$3,045/mo
Today · 4.125%
HK$117,971
baseline
▲ 0.50% · 4.625%
HK$124,190
+HK$6,219/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,942/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,746 · Scale 2, in force from 26 Feb 2026)