LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,479
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,205
−HK$1,753/mo
Today · 4.125%
HK$58,958
baseline
▲ 0.50% · 4.625%
HK$62,545
+HK$3,587/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,916/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,720
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,375
−HK$1,679/mo
Today · 4.125%
HK$65,054
baseline
▲ 0.50% · 4.625%
HK$68,483
+HK$3,429/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,108/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,575
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,646
−HK$2,104/mo
Today · 4.125%
HK$70,750
baseline
▲ 0.50% · 4.625%
HK$75,054
+HK$4,304/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,500/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,064
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,050
−HK$2,015/mo
Today · 4.125%
HK$78,065
baseline
▲ 0.50% · 4.625%
HK$82,180
+HK$4,115/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,130/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,671
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$80,086
−HK$2,455/mo
Today · 4.125%
HK$82,541
baseline
▲ 0.50% · 4.625%
HK$87,564
+HK$5,023/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,082/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,408
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,725
−HK$2,351/mo
Today · 4.125%
HK$91,076
baseline
▲ 0.50% · 4.625%
HK$95,877
+HK$4,801/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,152/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,862
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$102,968
−HK$3,156/mo
Today · 4.125%
HK$106,124
baseline
▲ 0.50% · 4.625%
HK$112,582
+HK$6,458/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,248/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,096
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$114,075
−HK$3,023/mo
Today · 4.125%
HK$117,098
baseline
▲ 0.50% · 4.625%
HK$123,270
+HK$6,172/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,196/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,031 · Scale 2, in force from 26 Feb 2026)