LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,489
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,215
−HK$1,753/mo
Today · 4.125%
HK$58,968
baseline
▲ 0.50% · 4.625%
HK$62,556
+HK$3,588/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,936/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,731
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,386
−HK$1,680/mo
Today · 4.125%
HK$65,066
baseline
▲ 0.50% · 4.625%
HK$68,495
+HK$3,429/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,132/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,586
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,658
−HK$2,104/mo
Today · 4.125%
HK$70,762
baseline
▲ 0.50% · 4.625%
HK$75,068
+HK$4,306/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,524/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,077
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,063
−HK$2,016/mo
Today · 4.125%
HK$78,079
baseline
▲ 0.50% · 4.625%
HK$82,195
+HK$4,116/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,158/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,684
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,101
−HK$2,455/mo
Today · 4.125%
HK$82,556
baseline
▲ 0.50% · 4.625%
HK$87,579
+HK$5,023/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,112/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,423
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,741
−HK$2,351/mo
Today · 4.125%
HK$91,092
baseline
▲ 0.50% · 4.625%
HK$95,894
+HK$4,802/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,184/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,880
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,987
−HK$3,156/mo
Today · 4.125%
HK$106,143
baseline
▲ 0.50% · 4.625%
HK$112,602
+HK$6,459/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,286/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,115
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$114,095
−HK$3,023/mo
Today · 4.125%
HK$117,118
baseline
▲ 0.50% · 4.625%
HK$123,292
+HK$6,174/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,236/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,213 · Scale 2, in force from 26 Feb 2026)