LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,899
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,637
−HK$1,767/mo
Today · 4.125%
HK$59,404
baseline
▲ 0.50% · 4.625%
HK$63,018
+HK$3,614/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,808/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,187
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,854
−HK$1,692/mo
Today · 4.125%
HK$65,546
baseline
▲ 0.50% · 4.625%
HK$69,001
+HK$3,455/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,092/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,078
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,165
−HK$2,120/mo
Today · 4.125%
HK$71,285
baseline
▲ 0.50% · 4.625%
HK$75,622
+HK$4,337/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,570/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,624
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,625
−HK$2,031/mo
Today · 4.125%
HK$78,656
baseline
▲ 0.50% · 4.625%
HK$82,802
+HK$4,146/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,312/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,258
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,692
−HK$2,473/mo
Today · 4.125%
HK$83,165
baseline
▲ 0.50% · 4.625%
HK$88,226
+HK$5,061/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$166,330/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,061
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,396
−HK$2,369/mo
Today · 4.125%
HK$91,765
baseline
▲ 0.50% · 4.625%
HK$96,602
+HK$4,837/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$183,530/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,617
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$103,747
−HK$3,180/mo
Today · 4.125%
HK$106,927
baseline
▲ 0.50% · 4.625%
HK$113,433
+HK$6,506/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,854/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,936
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$114,938
−HK$3,045/mo
Today · 4.125%
HK$117,983
baseline
▲ 0.50% · 4.625%
HK$124,202
+HK$6,219/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,966/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,852 · Scale 2, in force from 26 Feb 2026)