LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,559
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,287
−HK$1,756/mo
Today · 4.125%
HK$59,043
baseline
▲ 0.50% · 4.625%
HK$62,635
+HK$3,592/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,086/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,808
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,466
−HK$1,682/mo
Today · 4.125%
HK$65,148
baseline
▲ 0.50% · 4.625%
HK$68,582
+HK$3,434/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,296/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,670
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,744
−HK$2,107/mo
Today · 4.125%
HK$70,851
baseline
▲ 0.50% · 4.625%
HK$75,162
+HK$4,311/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,702/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,170
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,159
−HK$2,018/mo
Today · 4.125%
HK$78,177
baseline
▲ 0.50% · 4.625%
HK$82,298
+HK$4,121/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,354/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,782
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,201
−HK$2,459/mo
Today · 4.125%
HK$82,660
baseline
▲ 0.50% · 4.625%
HK$87,689
+HK$5,029/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,320/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,532
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$88,852
−HK$2,355/mo
Today · 4.125%
HK$91,207
baseline
▲ 0.50% · 4.625%
HK$96,014
+HK$4,807/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,414/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,005
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$103,116
−HK$3,161/mo
Today · 4.125%
HK$106,277
baseline
▲ 0.50% · 4.625%
HK$112,743
+HK$6,466/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$212,554/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,255
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$114,239
−HK$3,027/mo
Today · 4.125%
HK$117,266
baseline
▲ 0.50% · 4.625%
HK$123,447
+HK$6,181/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$234,532/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,516 · Scale 2, in force from 26 Feb 2026)