LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,920
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,659
−HK$1,768/mo
Today · 4.125%
HK$59,427
baseline
▲ 0.50% · 4.625%
HK$63,042
+HK$3,615/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,854/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,210
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,879
−HK$1,692/mo
Today · 4.125%
HK$65,571
baseline
▲ 0.50% · 4.625%
HK$69,028
+HK$3,457/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,142/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,104
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,191
−HK$2,121/mo
Today · 4.125%
HK$71,312
baseline
▲ 0.50% · 4.625%
HK$75,651
+HK$4,339/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,624/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,652
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,654
−HK$2,032/mo
Today · 4.125%
HK$78,686
baseline
▲ 0.50% · 4.625%
HK$82,833
+HK$4,147/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,372/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,288
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$80,723
−HK$2,474/mo
Today · 4.125%
HK$83,197
baseline
▲ 0.50% · 4.625%
HK$88,259
+HK$5,062/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,394/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,094
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$89,430
−HK$2,370/mo
Today · 4.125%
HK$91,800
baseline
▲ 0.50% · 4.625%
HK$96,639
+HK$4,839/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,600/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,656
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$103,787
−HK$3,181/mo
Today · 4.125%
HK$106,968
baseline
▲ 0.50% · 4.625%
HK$113,476
+HK$6,508/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$213,936/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,979
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$114,982
−HK$3,046/mo
Today · 4.125%
HK$118,028
baseline
▲ 0.50% · 4.625%
HK$124,250
+HK$6,222/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$236,056/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,249 · Scale 2, in force from 26 Feb 2026)