LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,505
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,232
−HK$1,754/mo
Today · 4.125%
HK$58,986
baseline
▲ 0.50% · 4.625%
HK$62,575
+HK$3,589/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,972/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,749
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,405
−HK$1,680/mo
Today · 4.125%
HK$65,085
baseline
▲ 0.50% · 4.625%
HK$68,516
+HK$3,431/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,170/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,606
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,678
−HK$2,105/mo
Today · 4.125%
HK$70,783
baseline
▲ 0.50% · 4.625%
HK$75,090
+HK$4,307/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,566/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,099
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,086
−HK$2,016/mo
Today · 4.125%
HK$78,102
baseline
▲ 0.50% · 4.625%
HK$82,219
+HK$4,117/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,204/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,708
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,125
−HK$2,455/mo
Today · 4.125%
HK$82,580
baseline
▲ 0.50% · 4.625%
HK$87,605
+HK$5,025/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,160/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,449
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,767
−HK$2,352/mo
Today · 4.125%
HK$91,119
baseline
▲ 0.50% · 4.625%
HK$95,922
+HK$4,803/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,238/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,910
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,017
−HK$3,158/mo
Today · 4.125%
HK$106,175
baseline
▲ 0.50% · 4.625%
HK$112,635
+HK$6,460/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$212,350/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,148
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$114,129
−HK$3,024/mo
Today · 4.125%
HK$117,153
baseline
▲ 0.50% · 4.625%
HK$123,329
+HK$6,176/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$234,306/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,523 · Scale 2, in force from 26 Feb 2026)