LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,949
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,689
−HK$1,768/mo
Today · 4.125%
HK$59,457
baseline
▲ 0.50% · 4.625%
HK$63,075
+HK$3,618/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,914/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,243
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,912
−HK$1,693/mo
Today · 4.125%
HK$65,605
baseline
▲ 0.50% · 4.625%
HK$69,064
+HK$3,459/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,210/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,139
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,227
−HK$2,122/mo
Today · 4.125%
HK$71,349
baseline
▲ 0.50% · 4.625%
HK$75,690
+HK$4,341/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,698/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,691
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,694
−HK$2,032/mo
Today · 4.125%
HK$78,726
baseline
▲ 0.50% · 4.625%
HK$82,876
+HK$4,150/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,452/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,329
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,765
−HK$2,475/mo
Today · 4.125%
HK$83,240
baseline
▲ 0.50% · 4.625%
HK$88,305
+HK$5,065/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,480/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,140
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,477
−HK$2,371/mo
Today · 4.125%
HK$91,848
baseline
▲ 0.50% · 4.625%
HK$96,689
+HK$4,841/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,696/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,708
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$103,841
−HK$3,182/mo
Today · 4.125%
HK$107,023
baseline
▲ 0.50% · 4.625%
HK$113,536
+HK$6,513/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$214,046/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,037
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$115,042
−HK$3,048/mo
Today · 4.125%
HK$118,090
baseline
▲ 0.50% · 4.625%
HK$124,314
+HK$6,224/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$236,180/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,791 · Scale 2, in force from 26 Feb 2026)