LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,906
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,645
−HK$1,766/mo
Today · 4.125%
HK$59,411
baseline
▲ 0.50% · 4.625%
HK$63,026
+HK$3,615/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,822/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,194
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,862
−HK$1,693/mo
Today · 4.125%
HK$65,555
baseline
▲ 0.50% · 4.625%
HK$69,010
+HK$3,455/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,110/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,087
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,173
−HK$2,121/mo
Today · 4.125%
HK$71,294
baseline
▲ 0.50% · 4.625%
HK$75,632
+HK$4,338/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,588/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,633
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,635
−HK$2,030/mo
Today · 4.125%
HK$78,665
baseline
▲ 0.50% · 4.625%
HK$82,812
+HK$4,147/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,330/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,268
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,702
−HK$2,474/mo
Today · 4.125%
HK$83,176
baseline
▲ 0.50% · 4.625%
HK$88,237
+HK$5,061/mo
Deposit HK$7.36M · loan HK$17.16M · min. income ≈ HK$166,352/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,072
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,407
−HK$2,369/mo
Today · 4.125%
HK$91,776
baseline
▲ 0.50% · 4.625%
HK$96,614
+HK$4,838/mo
Deposit HK$7.36M · loan HK$17.16M · min. income ≈ HK$183,552/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,630
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$103,760
−HK$3,180/mo
Today · 4.125%
HK$106,940
baseline
▲ 0.50% · 4.625%
HK$113,447
+HK$6,507/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$213,880/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,950
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$114,952
−HK$3,046/mo
Today · 4.125%
HK$117,998
baseline
▲ 0.50% · 4.625%
HK$124,218
+HK$6,220/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$235,996/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,982 · Scale 2, in force from 26 Feb 2026)