LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,922
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,661
−HK$1,767/mo
Today · 4.125%
HK$59,428
baseline
▲ 0.50% · 4.625%
HK$63,044
+HK$3,616/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,856/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,212
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,881
−HK$1,692/mo
Today · 4.125%
HK$65,573
baseline
▲ 0.50% · 4.625%
HK$69,030
+HK$3,457/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,146/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,106
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,193
−HK$2,121/mo
Today · 4.125%
HK$71,314
baseline
▲ 0.50% · 4.625%
HK$75,653
+HK$4,339/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,628/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,655
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,657
−HK$2,031/mo
Today · 4.125%
HK$78,688
baseline
▲ 0.50% · 4.625%
HK$82,836
+HK$4,148/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,376/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,290
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$80,725
−HK$2,475/mo
Today · 4.125%
HK$83,200
baseline
▲ 0.50% · 4.625%
HK$88,262
+HK$5,062/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,400/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,097
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$89,433
−HK$2,370/mo
Today · 4.125%
HK$91,803
baseline
▲ 0.50% · 4.625%
HK$96,642
+HK$4,839/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,606/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,659
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$103,790
−HK$3,181/mo
Today · 4.125%
HK$106,971
baseline
▲ 0.50% · 4.625%
HK$113,480
+HK$6,509/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$213,942/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,982
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$114,985
−HK$3,047/mo
Today · 4.125%
HK$118,032
baseline
▲ 0.50% · 4.625%
HK$124,254
+HK$6,222/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$236,064/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,280 · Scale 2, in force from 26 Feb 2026)