LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,554
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,282
−HK$1,756/mo
Today · 4.125%
HK$59,038
baseline
▲ 0.50% · 4.625%
HK$62,630
+HK$3,592/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,076/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,803
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,461
−HK$1,681/mo
Today · 4.125%
HK$65,142
baseline
▲ 0.50% · 4.625%
HK$68,576
+HK$3,434/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,284/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,665
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,738
−HK$2,107/mo
Today · 4.125%
HK$70,845
baseline
▲ 0.50% · 4.625%
HK$75,156
+HK$4,311/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,690/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,164
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,153
−HK$2,018/mo
Today · 4.125%
HK$78,171
baseline
▲ 0.50% · 4.625%
HK$82,291
+HK$4,120/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,342/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,775
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,195
−HK$2,458/mo
Today · 4.125%
HK$82,653
baseline
▲ 0.50% · 4.625%
HK$87,682
+HK$5,029/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$165,306/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,524
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$88,845
−HK$2,354/mo
Today · 4.125%
HK$91,199
baseline
▲ 0.50% · 4.625%
HK$96,006
+HK$4,807/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$182,398/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,997
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$103,107
−HK$3,161/mo
Today · 4.125%
HK$106,268
baseline
▲ 0.50% · 4.625%
HK$112,734
+HK$6,466/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$212,536/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,246
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$114,229
−HK$3,027/mo
Today · 4.125%
HK$117,256
baseline
▲ 0.50% · 4.625%
HK$123,437
+HK$6,181/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$234,512/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,428 · Scale 2, in force from 26 Feb 2026)