LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,920
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,660
−HK$1,767/mo
Today · 4.125%
HK$59,427
baseline
▲ 0.50% · 4.625%
HK$63,043
+HK$3,616/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$1,042,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,211
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,879
−HK$1,693/mo
Today · 4.125%
HK$65,572
baseline
▲ 0.50% · 4.625%
HK$69,028
+HK$3,456/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,144/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,104
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,192
−HK$2,120/mo
Today · 4.125%
HK$71,312
baseline
▲ 0.50% · 4.625%
HK$75,652
+HK$4,340/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$1,042,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,653
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,655
−HK$2,031/mo
Today · 4.125%
HK$78,686
baseline
▲ 0.50% · 4.625%
HK$82,834
+HK$4,148/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$1,042,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,288
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$80,724
−HK$2,474/mo
Today · 4.125%
HK$83,198
baseline
▲ 0.50% · 4.625%
HK$88,260
+HK$5,062/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,396/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,095
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$89,431
−HK$2,370/mo
Today · 4.125%
HK$91,801
baseline
▲ 0.50% · 4.625%
HK$96,640
+HK$4,839/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,602/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,657
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$103,788
−HK$3,181/mo
Today · 4.125%
HK$106,969
baseline
▲ 0.50% · 4.625%
HK$113,477
+HK$6,508/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$213,938/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,979
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$114,983
−HK$3,046/mo
Today · 4.125%
HK$118,029
baseline
▲ 0.50% · 4.625%
HK$124,251
+HK$6,222/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$236,058/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,258 · Scale 2, in force from 26 Feb 2026)