LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,918
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,657
−HK$1,767/mo
Today · 4.125%
HK$59,424
baseline
▲ 0.50% · 4.625%
HK$63,040
+HK$3,616/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,848/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,208
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,876
−HK$1,693/mo
Today · 4.125%
HK$65,569
baseline
▲ 0.50% · 4.625%
HK$69,025
+HK$3,456/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,138/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,101
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,189
−HK$2,120/mo
Today · 4.125%
HK$71,309
baseline
▲ 0.50% · 4.625%
HK$75,648
+HK$4,339/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,618/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,650
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,652
−HK$2,031/mo
Today · 4.125%
HK$78,683
baseline
▲ 0.50% · 4.625%
HK$82,830
+HK$4,147/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,366/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,285
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$80,720
−HK$2,474/mo
Today · 4.125%
HK$83,194
baseline
▲ 0.50% · 4.625%
HK$88,256
+HK$5,062/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,388/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,091
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$89,427
−HK$2,369/mo
Today · 4.125%
HK$91,796
baseline
▲ 0.50% · 4.625%
HK$96,635
+HK$4,839/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,592/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,652
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$103,783
−HK$3,181/mo
Today · 4.125%
HK$106,964
baseline
▲ 0.50% · 4.625%
HK$113,472
+HK$6,508/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$213,928/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,974
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$114,977
−HK$3,047/mo
Today · 4.125%
HK$118,024
baseline
▲ 0.50% · 4.625%
HK$124,245
+HK$6,221/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$236,048/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,210 · Scale 2, in force from 26 Feb 2026)