LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,500
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,226
−HK$1,754/mo
Today · 4.125%
HK$58,980
baseline
▲ 0.50% · 4.625%
HK$62,569
+HK$3,589/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,960/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,743
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,399
−HK$1,680/mo
Today · 4.125%
HK$65,079
baseline
▲ 0.50% · 4.625%
HK$68,509
+HK$3,430/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,158/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,600
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,671
−HK$2,105/mo
Today · 4.125%
HK$70,776
baseline
▲ 0.50% · 4.625%
HK$75,083
+HK$4,307/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$141,552/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,091
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,078
−HK$2,016/mo
Today · 4.125%
HK$78,094
baseline
▲ 0.50% · 4.625%
HK$82,211
+HK$4,117/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$156,188/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,700
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,116
−HK$2,456/mo
Today · 4.125%
HK$82,572
baseline
▲ 0.50% · 4.625%
HK$87,596
+HK$5,024/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,144/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,440
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,758
−HK$2,352/mo
Today · 4.125%
HK$91,110
baseline
▲ 0.50% · 4.625%
HK$95,913
+HK$4,803/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,220/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,899
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,007
−HK$3,157/mo
Today · 4.125%
HK$106,164
baseline
▲ 0.50% · 4.625%
HK$112,624
+HK$6,460/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$212,328/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,137
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$114,118
−HK$3,024/mo
Today · 4.125%
HK$117,142
baseline
▲ 0.50% · 4.625%
HK$123,316
+HK$6,174/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$234,284/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,418 · Scale 2, in force from 26 Feb 2026)