LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,523
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,251
−HK$1,754/mo
Today · 4.125%
HK$59,005
baseline
▲ 0.50% · 4.625%
HK$62,596
+HK$3,591/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$118,010/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,769
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,426
−HK$1,680/mo
Today · 4.125%
HK$65,106
baseline
▲ 0.50% · 4.625%
HK$68,538
+HK$3,432/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,212/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,628
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,701
−HK$2,105/mo
Today · 4.125%
HK$70,806
baseline
▲ 0.50% · 4.625%
HK$75,115
+HK$4,309/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,612/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,123
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,111
−HK$2,017/mo
Today · 4.125%
HK$78,128
baseline
▲ 0.50% · 4.625%
HK$82,246
+HK$4,118/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,256/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,733
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,151
−HK$2,456/mo
Today · 4.125%
HK$82,607
baseline
▲ 0.50% · 4.625%
HK$87,634
+HK$5,027/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,214/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,477
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,796
−HK$2,353/mo
Today · 4.125%
HK$91,149
baseline
▲ 0.50% · 4.625%
HK$95,954
+HK$4,805/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,298/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,942
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$103,051
−HK$3,158/mo
Today · 4.125%
HK$106,209
baseline
▲ 0.50% · 4.625%
HK$112,672
+HK$6,463/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$212,418/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,185
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$114,167
−HK$3,025/mo
Today · 4.125%
HK$117,192
baseline
▲ 0.50% · 4.625%
HK$123,369
+HK$6,177/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$234,384/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,861 · Scale 2, in force from 26 Feb 2026)