LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,902
−HK$3,505/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$1,041,909 · 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$1,041,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,082
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,169
−HK$2,120/mo
Today · 4.125%
HK$71,289
baseline
▲ 0.50% · 4.625%
HK$75,626
+HK$4,337/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,578/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,628
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,629
−HK$2,031/mo
Today · 4.125%
HK$78,660
baseline
▲ 0.50% · 4.625%
HK$82,806
+HK$4,146/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,320/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,262
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,697
−HK$2,473/mo
Today · 4.125%
HK$83,170
baseline
▲ 0.50% · 4.625%
HK$88,231
+HK$5,061/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$166,340/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,066
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,401
−HK$2,369/mo
Today · 4.125%
HK$91,770
baseline
▲ 0.50% · 4.625%
HK$96,607
+HK$4,837/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$183,540/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,623
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$103,753
−HK$3,180/mo
Today · 4.125%
HK$106,933
baseline
▲ 0.50% · 4.625%
HK$113,439
+HK$6,506/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,866/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,942
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$114,944
−HK$3,046/mo
Today · 4.125%
HK$117,990
baseline
▲ 0.50% · 4.625%
HK$124,209
+HK$6,219/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,980/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,909 · Scale 2, in force from 26 Feb 2026)