LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,916
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,655
−HK$1,767/mo
Today · 4.125%
HK$59,422
baseline
▲ 0.50% · 4.625%
HK$63,038
+HK$3,616/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,844/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,206
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,874
−HK$1,692/mo
Today · 4.125%
HK$65,566
baseline
▲ 0.50% · 4.625%
HK$69,022
+HK$3,456/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,132/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,099
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,186
−HK$2,120/mo
Today · 4.125%
HK$71,306
baseline
▲ 0.50% · 4.625%
HK$75,645
+HK$4,339/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,612/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,647
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,649
−HK$2,031/mo
Today · 4.125%
HK$78,680
baseline
▲ 0.50% · 4.625%
HK$82,827
+HK$4,147/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,360/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,282
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$80,717
−HK$2,474/mo
Today · 4.125%
HK$83,191
baseline
▲ 0.50% · 4.625%
HK$88,253
+HK$5,062/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,382/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,088
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$89,423
−HK$2,370/mo
Today · 4.125%
HK$91,793
baseline
▲ 0.50% · 4.625%
HK$96,631
+HK$4,838/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,586/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,648
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$103,779
−HK$3,181/mo
Today · 4.125%
HK$106,960
baseline
▲ 0.50% · 4.625%
HK$113,468
+HK$6,508/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$213,920/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,970
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$114,973
−HK$3,046/mo
Today · 4.125%
HK$118,019
baseline
▲ 0.50% · 4.625%
HK$124,240
+HK$6,221/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$236,038/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,170 · Scale 2, in force from 26 Feb 2026)