LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,912
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,652
−HK$1,767/mo
Today · 4.125%
HK$59,419
baseline
▲ 0.50% · 4.625%
HK$63,034
+HK$3,615/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,838/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,202
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,870
−HK$1,692/mo
Today · 4.125%
HK$65,562
baseline
▲ 0.50% · 4.625%
HK$69,018
+HK$3,456/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,124/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,095
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,182
−HK$2,120/mo
Today · 4.125%
HK$71,302
baseline
▲ 0.50% · 4.625%
HK$75,641
+HK$4,339/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,604/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,642
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,644
−HK$2,031/mo
Today · 4.125%
HK$78,675
baseline
▲ 0.50% · 4.625%
HK$82,822
+HK$4,147/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,350/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,277
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$80,712
−HK$2,474/mo
Today · 4.125%
HK$83,186
baseline
▲ 0.50% · 4.625%
HK$88,248
+HK$5,062/mo
Deposit HK$7.36M · loan HK$17.16M · min. income ≈ HK$166,372/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,083
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,418
−HK$2,369/mo
Today · 4.125%
HK$91,787
baseline
▲ 0.50% · 4.625%
HK$96,626
+HK$4,839/mo
Deposit HK$7.36M · loan HK$17.16M · min. income ≈ HK$183,574/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,642
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$103,773
−HK$3,180/mo
Today · 4.125%
HK$106,953
baseline
▲ 0.50% · 4.625%
HK$113,461
+HK$6,508/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$213,906/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,963
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$114,966
−HK$3,046/mo
Today · 4.125%
HK$118,012
baseline
▲ 0.50% · 4.625%
HK$124,233
+HK$6,221/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$236,024/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,109 · Scale 2, in force from 26 Feb 2026)