LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,484
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,210
−HK$1,754/mo
Today · 4.125%
HK$58,964
baseline
▲ 0.50% · 4.625%
HK$62,552
+HK$3,588/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,928/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,726
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,381
−HK$1,680/mo
Today · 4.125%
HK$65,061
baseline
▲ 0.50% · 4.625%
HK$68,490
+HK$3,429/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,122/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,581
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,652
−HK$2,105/mo
Today · 4.125%
HK$70,757
baseline
▲ 0.50% · 4.625%
HK$75,062
+HK$4,305/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,514/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,071
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,058
−HK$2,015/mo
Today · 4.125%
HK$78,073
baseline
▲ 0.50% · 4.625%
HK$82,188
+HK$4,115/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,146/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,678
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,095
−HK$2,454/mo
Today · 4.125%
HK$82,549
baseline
▲ 0.50% · 4.625%
HK$87,572
+HK$5,023/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,098/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,416
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,734
−HK$2,351/mo
Today · 4.125%
HK$91,085
baseline
▲ 0.50% · 4.625%
HK$95,886
+HK$4,801/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,170/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,872
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,979
−HK$3,156/mo
Today · 4.125%
HK$106,135
baseline
▲ 0.50% · 4.625%
HK$112,593
+HK$6,458/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,270/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,107
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$114,087
−HK$3,022/mo
Today · 4.125%
HK$117,109
baseline
▲ 0.50% · 4.625%
HK$123,282
+HK$6,173/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,218/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,134 · Scale 2, in force from 26 Feb 2026)