LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,548
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,276
−HK$1,755/mo
Today · 4.125%
HK$59,031
baseline
▲ 0.50% · 4.625%
HK$62,623
+HK$3,592/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,062/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,797
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,454
−HK$1,681/mo
Today · 4.125%
HK$65,135
baseline
▲ 0.50% · 4.625%
HK$68,569
+HK$3,434/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,270/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,658
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,731
−HK$2,107/mo
Today · 4.125%
HK$70,838
baseline
▲ 0.50% · 4.625%
HK$75,148
+HK$4,310/mo
Deposit HK$9.74M · loan HK$14.62M · min. income ≈ HK$141,676/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,156
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,145
−HK$2,017/mo
Today · 4.125%
HK$78,162
baseline
▲ 0.50% · 4.625%
HK$82,282
+HK$4,120/mo
Deposit HK$9.74M · loan HK$14.62M · min. income ≈ HK$156,324/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,767
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$80,186
−HK$2,458/mo
Today · 4.125%
HK$82,644
baseline
▲ 0.50% · 4.625%
HK$87,672
+HK$5,028/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$165,288/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,515
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,835
−HK$2,354/mo
Today · 4.125%
HK$91,189
baseline
▲ 0.50% · 4.625%
HK$95,996
+HK$4,807/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$182,378/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,986
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$103,096
−HK$3,160/mo
Today · 4.125%
HK$106,256
baseline
▲ 0.50% · 4.625%
HK$112,722
+HK$6,466/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$212,512/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,234
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$114,217
−HK$3,026/mo
Today · 4.125%
HK$117,243
baseline
▲ 0.50% · 4.625%
HK$123,423
+HK$6,180/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$234,486/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,317 · Scale 2, in force from 26 Feb 2026)