LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,549
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,277
−HK$1,756/mo
Today · 4.125%
HK$59,033
baseline
▲ 0.50% · 4.625%
HK$62,625
+HK$3,592/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,066/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,798
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,456
−HK$1,681/mo
Today · 4.125%
HK$65,137
baseline
▲ 0.50% · 4.625%
HK$68,570
+HK$3,433/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,274/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,659
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,733
−HK$2,106/mo
Today · 4.125%
HK$70,839
baseline
▲ 0.50% · 4.625%
HK$75,150
+HK$4,311/mo
Deposit HK$9.74M · loan HK$14.62M · min. income ≈ HK$141,678/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,158
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,147
−HK$2,017/mo
Today · 4.125%
HK$78,164
baseline
▲ 0.50% · 4.625%
HK$82,285
+HK$4,121/mo
Deposit HK$9.74M · loan HK$14.62M · min. income ≈ HK$156,328/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,769
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$80,188
−HK$2,458/mo
Today · 4.125%
HK$82,646
baseline
▲ 0.50% · 4.625%
HK$87,675
+HK$5,029/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$165,292/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,517
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$88,838
−HK$2,354/mo
Today · 4.125%
HK$91,192
baseline
▲ 0.50% · 4.625%
HK$95,999
+HK$4,807/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$182,384/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,989
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$103,099
−HK$3,160/mo
Today · 4.125%
HK$106,259
baseline
▲ 0.50% · 4.625%
HK$112,725
+HK$6,466/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$212,518/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,237
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$114,220
−HK$3,027/mo
Today · 4.125%
HK$117,247
baseline
▲ 0.50% · 4.625%
HK$123,427
+HK$6,180/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$234,494/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,345 · Scale 2, in force from 26 Feb 2026)