LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,568
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,297
−HK$1,756/mo
Today · 4.125%
HK$59,053
baseline
▲ 0.50% · 4.625%
HK$62,646
+HK$3,593/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,106/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,819
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,477
−HK$1,682/mo
Today · 4.125%
HK$65,159
baseline
▲ 0.50% · 4.625%
HK$68,594
+HK$3,435/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,318/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,682
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,756
−HK$2,107/mo
Today · 4.125%
HK$70,863
baseline
▲ 0.50% · 4.625%
HK$75,175
+HK$4,312/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,726/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,183
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,172
−HK$2,019/mo
Today · 4.125%
HK$78,191
baseline
▲ 0.50% · 4.625%
HK$82,312
+HK$4,121/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,382/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,796
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,215
−HK$2,459/mo
Today · 4.125%
HK$82,674
baseline
▲ 0.50% · 4.625%
HK$87,705
+HK$5,031/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,348/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,547
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,868
−HK$2,355/mo
Today · 4.125%
HK$91,223
baseline
▲ 0.50% · 4.625%
HK$96,031
+HK$4,808/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,446/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,023
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$103,134
−HK$3,161/mo
Today · 4.125%
HK$106,295
baseline
▲ 0.50% · 4.625%
HK$112,763
+HK$6,468/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$212,590/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,274
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$114,259
−HK$3,027/mo
Today · 4.125%
HK$117,286
baseline
▲ 0.50% · 4.625%
HK$123,469
+HK$6,183/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$234,572/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,696 · Scale 2, in force from 26 Feb 2026)