LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,930
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,670
−HK$1,767/mo
Today · 4.125%
HK$59,437
baseline
▲ 0.50% · 4.625%
HK$63,054
+HK$3,617/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,874/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,221
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,890
−HK$1,693/mo
Today · 4.125%
HK$65,583
baseline
▲ 0.50% · 4.625%
HK$69,040
+HK$3,457/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,166/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,116
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,203
−HK$2,122/mo
Today · 4.125%
HK$71,325
baseline
▲ 0.50% · 4.625%
HK$75,664
+HK$4,339/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,650/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,666
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,668
−HK$2,032/mo
Today · 4.125%
HK$78,700
baseline
▲ 0.50% · 4.625%
HK$82,848
+HK$4,148/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,400/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,302
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$80,737
−HK$2,475/mo
Today · 4.125%
HK$83,212
baseline
▲ 0.50% · 4.625%
HK$88,275
+HK$5,063/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,424/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,110
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$89,446
−HK$2,370/mo
Today · 4.125%
HK$91,816
baseline
▲ 0.50% · 4.625%
HK$96,656
+HK$4,840/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,632/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,674
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$103,805
−HK$3,182/mo
Today · 4.125%
HK$106,987
baseline
▲ 0.50% · 4.625%
HK$113,497
+HK$6,510/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$213,974/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,998
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$115,002
−HK$3,047/mo
Today · 4.125%
HK$118,049
baseline
▲ 0.50% · 4.625%
HK$124,272
+HK$6,223/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$236,098/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,435 · Scale 2, in force from 26 Feb 2026)