LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,506
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,232
−HK$1,754/mo
Today · 4.125%
HK$58,986
baseline
▲ 0.50% · 4.625%
HK$62,576
+HK$3,590/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$1,034,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,750
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,406
−HK$1,680/mo
Today · 4.125%
HK$65,086
baseline
▲ 0.50% · 4.625%
HK$68,517
+HK$3,431/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,172/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,607
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,679
−HK$2,105/mo
Today · 4.125%
HK$70,784
baseline
▲ 0.50% · 4.625%
HK$75,091
+HK$4,307/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,568/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,100
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,087
−HK$2,016/mo
Today · 4.125%
HK$78,103
baseline
▲ 0.50% · 4.625%
HK$82,220
+HK$4,117/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,206/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,708
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$80,125
−HK$2,456/mo
Today · 4.125%
HK$82,581
baseline
▲ 0.50% · 4.625%
HK$87,606
+HK$5,025/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,162/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,449
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$88,768
−HK$2,352/mo
Today · 4.125%
HK$91,120
baseline
▲ 0.50% · 4.625%
HK$95,923
+HK$4,803/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,240/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,910
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$103,018
−HK$3,158/mo
Today · 4.125%
HK$106,176
baseline
▲ 0.50% · 4.625%
HK$112,636
+HK$6,460/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$212,352/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,149
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$114,130
−HK$3,024/mo
Today · 4.125%
HK$117,154
baseline
▲ 0.50% · 4.625%
HK$123,330
+HK$6,176/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$234,308/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,531 · Scale 2, in force from 26 Feb 2026)