LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,929
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,668
−HK$1,768/mo
Today · 4.125%
HK$59,436
baseline
▲ 0.50% · 4.625%
HK$63,052
+HK$3,616/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,872/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,220
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,889
−HK$1,692/mo
Today · 4.125%
HK$65,581
baseline
▲ 0.50% · 4.625%
HK$69,038
+HK$3,457/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,162/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,114
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,202
−HK$2,121/mo
Today · 4.125%
HK$71,323
baseline
▲ 0.50% · 4.625%
HK$75,663
+HK$4,340/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,646/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,664
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,666
−HK$2,032/mo
Today · 4.125%
HK$78,698
baseline
▲ 0.50% · 4.625%
HK$82,846
+HK$4,148/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,396/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,300
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$80,736
−HK$2,474/mo
Today · 4.125%
HK$83,210
baseline
▲ 0.50% · 4.625%
HK$88,273
+HK$5,063/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,420/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,108
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$89,444
−HK$2,370/mo
Today · 4.125%
HK$91,814
baseline
▲ 0.50% · 4.625%
HK$96,654
+HK$4,840/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,628/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,671
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$103,803
−HK$3,181/mo
Today · 4.125%
HK$106,984
baseline
▲ 0.50% · 4.625%
HK$113,494
+HK$6,510/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$213,968/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,996
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$115,000
−HK$3,047/mo
Today · 4.125%
HK$118,047
baseline
▲ 0.50% · 4.625%
HK$124,269
+HK$6,222/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$236,094/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,411 · Scale 2, in force from 26 Feb 2026)