LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,562
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,290
−HK$1,756/mo
Today · 4.125%
HK$59,046
baseline
▲ 0.50% · 4.625%
HK$62,639
+HK$3,593/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,092/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,812
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,469
−HK$1,682/mo
Today · 4.125%
HK$65,151
baseline
▲ 0.50% · 4.625%
HK$68,585
+HK$3,434/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,302/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,674
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,748
−HK$2,107/mo
Today · 4.125%
HK$70,855
baseline
▲ 0.50% · 4.625%
HK$75,166
+HK$4,311/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,710/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,174
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,163
−HK$2,018/mo
Today · 4.125%
HK$78,181
baseline
▲ 0.50% · 4.625%
HK$82,302
+HK$4,121/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,362/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,786
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,206
−HK$2,458/mo
Today · 4.125%
HK$82,664
baseline
▲ 0.50% · 4.625%
HK$87,694
+HK$5,030/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,328/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,536
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,857
−HK$2,355/mo
Today · 4.125%
HK$91,212
baseline
▲ 0.50% · 4.625%
HK$96,020
+HK$4,808/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,424/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,011
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$103,122
−HK$3,160/mo
Today · 4.125%
HK$106,282
baseline
▲ 0.50% · 4.625%
HK$112,749
+HK$6,467/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$212,564/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,261
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$114,245
−HK$3,027/mo
Today · 4.125%
HK$117,272
baseline
▲ 0.50% · 4.625%
HK$123,454
+HK$6,182/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$234,544/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,571 · Scale 2, in force from 26 Feb 2026)