LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,499
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,225
−HK$1,754/mo
Today · 4.125%
HK$58,979
baseline
▲ 0.50% · 4.625%
HK$62,567
+HK$3,588/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,958/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,742
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,397
−HK$1,680/mo
Today · 4.125%
HK$65,077
baseline
▲ 0.50% · 4.625%
HK$68,508
+HK$3,431/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,154/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,598
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,670
−HK$2,105/mo
Today · 4.125%
HK$70,775
baseline
▲ 0.50% · 4.625%
HK$75,081
+HK$4,306/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$141,550/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,090
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,077
−HK$2,016/mo
Today · 4.125%
HK$78,093
baseline
▲ 0.50% · 4.625%
HK$82,209
+HK$4,116/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$156,186/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,698
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,115
−HK$2,455/mo
Today · 4.125%
HK$82,570
baseline
▲ 0.50% · 4.625%
HK$87,594
+HK$5,024/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,140/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,438
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,756
−HK$2,352/mo
Today · 4.125%
HK$91,108
baseline
▲ 0.50% · 4.625%
HK$95,911
+HK$4,803/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,216/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,897
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,005
−HK$3,157/mo
Today · 4.125%
HK$106,162
baseline
▲ 0.50% · 4.625%
HK$112,621
+HK$6,459/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,324/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,135
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$114,115
−HK$3,024/mo
Today · 4.125%
HK$117,139
baseline
▲ 0.50% · 4.625%
HK$123,314
+HK$6,175/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,278/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,396 · Scale 2, in force from 26 Feb 2026)