LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,925
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,665
−HK$1,767/mo
Today · 4.125%
HK$59,432
baseline
▲ 0.50% · 4.625%
HK$63,049
+HK$3,617/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,864/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,216
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,885
−HK$1,693/mo
Today · 4.125%
HK$65,578
baseline
▲ 0.50% · 4.625%
HK$69,034
+HK$3,456/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,156/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,110
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,198
−HK$2,121/mo
Today · 4.125%
HK$71,319
baseline
▲ 0.50% · 4.625%
HK$75,658
+HK$4,339/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,638/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,660
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,662
−HK$2,031/mo
Today · 4.125%
HK$78,693
baseline
▲ 0.50% · 4.625%
HK$82,841
+HK$4,148/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,386/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,295
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$80,731
−HK$2,474/mo
Today · 4.125%
HK$83,205
baseline
▲ 0.50% · 4.625%
HK$88,268
+HK$5,063/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,410/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,103
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$89,439
−HK$2,370/mo
Today · 4.125%
HK$91,809
baseline
▲ 0.50% · 4.625%
HK$96,648
+HK$4,839/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,618/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,666
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$103,797
−HK$3,181/mo
Today · 4.125%
HK$106,978
baseline
▲ 0.50% · 4.625%
HK$113,488
+HK$6,510/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$213,956/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,989
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$114,993
−HK$3,047/mo
Today · 4.125%
HK$118,040
baseline
▲ 0.50% · 4.625%
HK$124,262
+HK$6,222/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$236,080/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,351 · Scale 2, in force from 26 Feb 2026)