LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,545
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,273
−HK$1,756/mo
Today · 4.125%
HK$59,029
baseline
▲ 0.50% · 4.625%
HK$62,620
+HK$3,591/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,058/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,035,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,794
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,451
−HK$1,681/mo
Today · 4.125%
HK$65,132
baseline
▲ 0.50% · 4.625%
HK$68,566
+HK$3,434/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,264/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,035,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,655
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$68,728
−HK$2,106/mo
Today · 4.125%
HK$70,834
baseline
▲ 0.50% · 4.625%
HK$75,145
+HK$4,311/mo
Deposit HK$9.74M · loan HK$14.62M · min. income ≈ HK$141,668/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,153
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,141
−HK$2,018/mo
Today · 4.125%
HK$78,159
baseline
▲ 0.50% · 4.625%
HK$82,279
+HK$4,120/mo
Deposit HK$9.74M · loan HK$14.62M · min. income ≈ HK$156,318/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,764
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$80,183
−HK$2,457/mo
Today · 4.125%
HK$82,640
baseline
▲ 0.50% · 4.625%
HK$87,669
+HK$5,029/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$165,280/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,511
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,832
−HK$2,353/mo
Today · 4.125%
HK$91,185
baseline
▲ 0.50% · 4.625%
HK$95,992
+HK$4,807/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$182,370/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,982
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$103,092
−HK$3,160/mo
Today · 4.125%
HK$106,252
baseline
▲ 0.50% · 4.625%
HK$112,717
+HK$6,465/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$212,504/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,229
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$114,212
−HK$3,026/mo
Today · 4.125%
HK$117,238
baseline
▲ 0.50% · 4.625%
HK$123,418
+HK$6,180/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$234,476/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,272 · Scale 2, in force from 26 Feb 2026)