LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,480
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,206
−HK$1,753/mo
Today · 4.125%
HK$58,959
baseline
▲ 0.50% · 4.625%
HK$62,547
+HK$3,588/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,918/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,721
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,377
−HK$1,679/mo
Today · 4.125%
HK$65,056
baseline
▲ 0.50% · 4.625%
HK$68,485
+HK$3,429/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,112/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,576
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,647
−HK$2,104/mo
Today · 4.125%
HK$70,751
baseline
▲ 0.50% · 4.625%
HK$75,056
+HK$4,305/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,502/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,066
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,052
−HK$2,015/mo
Today · 4.125%
HK$78,067
baseline
▲ 0.50% · 4.625%
HK$82,182
+HK$4,115/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,134/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,672
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,089
−HK$2,454/mo
Today · 4.125%
HK$82,543
baseline
▲ 0.50% · 4.625%
HK$87,566
+HK$5,023/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,086/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,410
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,727
−HK$2,351/mo
Today · 4.125%
HK$91,078
baseline
▲ 0.50% · 4.625%
HK$95,879
+HK$4,801/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,156/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,865
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$102,971
−HK$3,156/mo
Today · 4.125%
HK$106,127
baseline
▲ 0.50% · 4.625%
HK$112,585
+HK$6,458/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,254/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,098
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$114,078
−HK$3,023/mo
Today · 4.125%
HK$117,101
baseline
▲ 0.50% · 4.625%
HK$123,273
+HK$6,172/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,202/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,057 · Scale 2, in force from 26 Feb 2026)