LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,933
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,673
−HK$1,768/mo
Today · 4.125%
HK$59,441
baseline
▲ 0.50% · 4.625%
HK$63,058
+HK$3,617/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,882/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,225
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,894
−HK$1,693/mo
Today · 4.125%
HK$65,587
baseline
▲ 0.50% · 4.625%
HK$69,044
+HK$3,457/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,174/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,120
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,208
−HK$2,121/mo
Today · 4.125%
HK$71,329
baseline
▲ 0.50% · 4.625%
HK$75,669
+HK$4,340/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,658/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,670
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,673
−HK$2,031/mo
Today · 4.125%
HK$78,704
baseline
▲ 0.50% · 4.625%
HK$82,853
+HK$4,149/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,408/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,306
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,742
−HK$2,475/mo
Today · 4.125%
HK$83,217
baseline
▲ 0.50% · 4.625%
HK$88,281
+HK$5,064/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,434/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,115
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,452
−HK$2,370/mo
Today · 4.125%
HK$91,822
baseline
▲ 0.50% · 4.625%
HK$96,662
+HK$4,840/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,644/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,680
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$103,811
−HK$3,182/mo
Today · 4.125%
HK$106,993
baseline
▲ 0.50% · 4.625%
HK$113,504
+HK$6,511/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$213,986/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,005
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$115,009
−HK$3,047/mo
Today · 4.125%
HK$118,056
baseline
▲ 0.50% · 4.625%
HK$124,279
+HK$6,223/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$236,112/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,497 · Scale 2, in force from 26 Feb 2026)