LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,935
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,674
−HK$1,768/mo
Today · 4.125%
HK$59,442
baseline
▲ 0.50% · 4.625%
HK$63,059
+HK$3,617/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,884/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,227
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,896
−HK$1,693/mo
Today · 4.125%
HK$65,589
baseline
▲ 0.50% · 4.625%
HK$69,046
+HK$3,457/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,178/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,121
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,209
−HK$2,122/mo
Today · 4.125%
HK$71,331
baseline
▲ 0.50% · 4.625%
HK$75,671
+HK$4,340/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,662/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,672
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,675
−HK$2,031/mo
Today · 4.125%
HK$78,706
baseline
▲ 0.50% · 4.625%
HK$82,855
+HK$4,149/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,412/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,308
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,744
−HK$2,475/mo
Today · 4.125%
HK$83,219
baseline
▲ 0.50% · 4.625%
HK$88,283
+HK$5,064/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,438/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,117
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,454
−HK$2,370/mo
Today · 4.125%
HK$91,824
baseline
▲ 0.50% · 4.625%
HK$96,664
+HK$4,840/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,648/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,682
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$103,814
−HK$3,182/mo
Today · 4.125%
HK$106,996
baseline
▲ 0.50% · 4.625%
HK$113,506
+HK$6,510/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$213,992/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,008
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$115,012
−HK$3,047/mo
Today · 4.125%
HK$118,059
baseline
▲ 0.50% · 4.625%
HK$124,282
+HK$6,223/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$236,118/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,523 · Scale 2, in force from 26 Feb 2026)