LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,512
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,239
−HK$1,754/mo
Today · 4.125%
HK$58,993
baseline
▲ 0.50% · 4.625%
HK$62,583
+HK$3,590/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,986/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,757
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,413
−HK$1,680/mo
Today · 4.125%
HK$65,093
baseline
▲ 0.50% · 4.625%
HK$68,525
+HK$3,432/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,186/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,615
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,687
−HK$2,105/mo
Today · 4.125%
HK$70,792
baseline
▲ 0.50% · 4.625%
HK$75,100
+HK$4,308/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,584/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,108
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,096
−HK$2,016/mo
Today · 4.125%
HK$78,112
baseline
▲ 0.50% · 4.625%
HK$82,230
+HK$4,118/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,224/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,717
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,135
−HK$2,456/mo
Today · 4.125%
HK$82,591
baseline
▲ 0.50% · 4.625%
HK$87,616
+HK$5,025/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,182/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,460
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$88,778
−HK$2,353/mo
Today · 4.125%
HK$91,131
baseline
▲ 0.50% · 4.625%
HK$95,934
+HK$4,803/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,262/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,922
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$103,030
−HK$3,158/mo
Today · 4.125%
HK$106,188
baseline
▲ 0.50% · 4.625%
HK$112,650
+HK$6,462/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$212,376/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,162
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$114,144
−HK$3,024/mo
Today · 4.125%
HK$117,168
baseline
▲ 0.50% · 4.625%
HK$123,344
+HK$6,176/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$234,336/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,654 · Scale 2, in force from 26 Feb 2026)