LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,901
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,640
−HK$1,767/mo
Today · 4.125%
HK$59,407
baseline
▲ 0.50% · 4.625%
HK$63,022
+HK$3,615/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,814/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,190
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,858
−HK$1,692/mo
Today · 4.125%
HK$65,550
baseline
▲ 0.50% · 4.625%
HK$69,005
+HK$3,455/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,100/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,082
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,168
−HK$2,120/mo
Today · 4.125%
HK$71,288
baseline
▲ 0.50% · 4.625%
HK$75,626
+HK$4,338/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,576/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,628
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,629
−HK$2,030/mo
Today · 4.125%
HK$78,659
baseline
▲ 0.50% · 4.625%
HK$82,806
+HK$4,147/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,318/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,262
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,696
−HK$2,473/mo
Today · 4.125%
HK$83,169
baseline
▲ 0.50% · 4.625%
HK$88,230
+HK$5,061/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$166,338/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,065
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,401
−HK$2,368/mo
Today · 4.125%
HK$91,769
baseline
▲ 0.50% · 4.625%
HK$96,607
+HK$4,838/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$183,538/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,622
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$103,752
−HK$3,180/mo
Today · 4.125%
HK$106,932
baseline
▲ 0.50% · 4.625%
HK$113,439
+HK$6,507/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,864/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,941
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$114,944
−HK$3,045/mo
Today · 4.125%
HK$117,989
baseline
▲ 0.50% · 4.625%
HK$124,209
+HK$6,220/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,978/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,903 · Scale 2, in force from 26 Feb 2026)