LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,563
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,291
−HK$1,756/mo
Today · 4.125%
HK$59,047
baseline
▲ 0.50% · 4.625%
HK$62,640
+HK$3,593/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,094/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,813
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,471
−HK$1,682/mo
Today · 4.125%
HK$65,153
baseline
▲ 0.50% · 4.625%
HK$68,587
+HK$3,434/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,306/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,676
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,750
−HK$2,107/mo
Today · 4.125%
HK$70,857
baseline
▲ 0.50% · 4.625%
HK$75,168
+HK$4,311/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,714/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,176
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,165
−HK$2,019/mo
Today · 4.125%
HK$78,184
baseline
▲ 0.50% · 4.625%
HK$82,305
+HK$4,121/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,368/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,788
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,208
−HK$2,458/mo
Today · 4.125%
HK$82,666
baseline
▲ 0.50% · 4.625%
HK$87,696
+HK$5,030/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,332/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,539
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$88,860
−HK$2,354/mo
Today · 4.125%
HK$91,214
baseline
▲ 0.50% · 4.625%
HK$96,022
+HK$4,808/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,428/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,014
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$103,125
−HK$3,160/mo
Today · 4.125%
HK$106,285
baseline
▲ 0.50% · 4.625%
HK$112,753
+HK$6,468/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$212,570/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,264
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$114,248
−HK$3,027/mo
Today · 4.125%
HK$117,275
baseline
▲ 0.50% · 4.625%
HK$123,457
+HK$6,182/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$234,550/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,600 · Scale 2, in force from 26 Feb 2026)