LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,564
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,292
−HK$1,756/mo
Today · 4.125%
HK$59,048
baseline
▲ 0.50% · 4.625%
HK$62,641
+HK$3,593/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,096/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,814
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,472
−HK$1,682/mo
Today · 4.125%
HK$65,154
baseline
▲ 0.50% · 4.625%
HK$68,588
+HK$3,434/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,308/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,677
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,751
−HK$2,107/mo
Today · 4.125%
HK$70,858
baseline
▲ 0.50% · 4.625%
HK$75,170
+HK$4,312/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,716/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,177
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,167
−HK$2,018/mo
Today · 4.125%
HK$78,185
baseline
▲ 0.50% · 4.625%
HK$82,306
+HK$4,121/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,370/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,790
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,209
−HK$2,459/mo
Today · 4.125%
HK$82,668
baseline
▲ 0.50% · 4.625%
HK$87,698
+HK$5,030/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,336/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,540
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,861
−HK$2,355/mo
Today · 4.125%
HK$91,216
baseline
▲ 0.50% · 4.625%
HK$96,024
+HK$4,808/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,432/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,015
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$103,126
−HK$3,161/mo
Today · 4.125%
HK$106,287
baseline
▲ 0.50% · 4.625%
HK$112,754
+HK$6,467/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$212,574/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,266
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$114,250
−HK$3,027/mo
Today · 4.125%
HK$117,277
baseline
▲ 0.50% · 4.625%
HK$123,459
+HK$6,182/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$234,554/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,616 · Scale 2, in force from 26 Feb 2026)