LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,914
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,653
−HK$1,767/mo
Today · 4.125%
HK$59,420
baseline
▲ 0.50% · 4.625%
HK$63,036
+HK$3,616/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,840/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,203
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,872
−HK$1,692/mo
Today · 4.125%
HK$65,564
baseline
▲ 0.50% · 4.625%
HK$69,020
+HK$3,456/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,128/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,096
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,184
−HK$2,120/mo
Today · 4.125%
HK$71,304
baseline
▲ 0.50% · 4.625%
HK$75,643
+HK$4,339/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,608/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,644
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,646
−HK$2,031/mo
Today · 4.125%
HK$78,677
baseline
▲ 0.50% · 4.625%
HK$82,824
+HK$4,147/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,354/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,279
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$80,714
−HK$2,474/mo
Today · 4.125%
HK$83,188
baseline
▲ 0.50% · 4.625%
HK$88,250
+HK$5,062/mo
Deposit HK$7.36M · loan HK$17.16M · min. income ≈ HK$166,376/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,085
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$89,420
−HK$2,370/mo
Today · 4.125%
HK$91,790
baseline
▲ 0.50% · 4.625%
HK$96,628
+HK$4,838/mo
Deposit HK$7.36M · loan HK$17.16M · min. income ≈ HK$183,580/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,645
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$103,775
−HK$3,181/mo
Today · 4.125%
HK$106,956
baseline
▲ 0.50% · 4.625%
HK$113,464
+HK$6,508/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$213,912/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,966
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$114,969
−HK$3,046/mo
Today · 4.125%
HK$118,015
baseline
▲ 0.50% · 4.625%
HK$124,236
+HK$6,221/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$236,030/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,134 · Scale 2, in force from 26 Feb 2026)