LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,926
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,666
−HK$1,767/mo
Today · 4.125%
HK$59,433
baseline
▲ 0.50% · 4.625%
HK$63,050
+HK$3,617/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,866/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,217
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,886
−HK$1,693/mo
Today · 4.125%
HK$65,579
baseline
▲ 0.50% · 4.625%
HK$69,035
+HK$3,456/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,158/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,111
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,199
−HK$2,121/mo
Today · 4.125%
HK$71,320
baseline
▲ 0.50% · 4.625%
HK$75,660
+HK$4,340/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,640/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,661
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,663
−HK$2,031/mo
Today · 4.125%
HK$78,694
baseline
▲ 0.50% · 4.625%
HK$82,843
+HK$4,149/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,388/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,297
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$80,732
−HK$2,475/mo
Today · 4.125%
HK$83,207
baseline
▲ 0.50% · 4.625%
HK$88,269
+HK$5,062/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,414/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,104
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$89,440
−HK$2,370/mo
Today · 4.125%
HK$91,810
baseline
▲ 0.50% · 4.625%
HK$96,650
+HK$4,840/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,620/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,667
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$103,798
−HK$3,182/mo
Today · 4.125%
HK$106,980
baseline
▲ 0.50% · 4.625%
HK$113,489
+HK$6,509/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$213,960/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,991
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$114,995
−HK$3,047/mo
Today · 4.125%
HK$118,042
baseline
▲ 0.50% · 4.625%
HK$124,264
+HK$6,222/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$236,084/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,367 · Scale 2, in force from 26 Feb 2026)