LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,893
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,632
−HK$1,766/mo
Today · 4.125%
HK$59,398
baseline
▲ 0.50% · 4.625%
HK$63,013
+HK$3,615/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$1,041,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,181
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,848
−HK$1,692/mo
Today · 4.125%
HK$65,540
baseline
▲ 0.50% · 4.625%
HK$68,995
+HK$3,455/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$1,041,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,072
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,158
−HK$2,120/mo
Today · 4.125%
HK$71,278
baseline
▲ 0.50% · 4.625%
HK$75,615
+HK$4,337/mo
Deposit HK$9.80M · loan HK$14.71M · min. income ≈ HK$142,556/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,617
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,618
−HK$2,030/mo
Today · 4.125%
HK$78,648
baseline
▲ 0.50% · 4.625%
HK$82,794
+HK$4,146/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$1,041,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,251
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,685
−HK$2,473/mo
Today · 4.125%
HK$83,158
baseline
▲ 0.50% · 4.625%
HK$88,218
+HK$5,060/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$166,316/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,053
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,388
−HK$2,368/mo
Today · 4.125%
HK$91,756
baseline
▲ 0.50% · 4.625%
HK$96,593
+HK$4,837/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$1,041,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,608
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$103,738
−HK$3,179/mo
Today · 4.125%
HK$106,917
baseline
▲ 0.50% · 4.625%
HK$113,423
+HK$6,506/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,834/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,925
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$114,927
−HK$3,045/mo
Today · 4.125%
HK$117,972
baseline
▲ 0.50% · 4.625%
HK$124,191
+HK$6,219/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,944/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,755 · Scale 2, in force from 26 Feb 2026)