LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,570
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,298
−HK$1,757/mo
Today · 4.125%
HK$59,055
baseline
▲ 0.50% · 4.625%
HK$62,648
+HK$3,593/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,110/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,821
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,479
−HK$1,682/mo
Today · 4.125%
HK$65,161
baseline
▲ 0.50% · 4.625%
HK$68,596
+HK$3,435/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,322/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,684
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,758
−HK$2,108/mo
Today · 4.125%
HK$70,866
baseline
▲ 0.50% · 4.625%
HK$75,178
+HK$4,312/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,732/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,185
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,175
−HK$2,018/mo
Today · 4.125%
HK$78,193
baseline
▲ 0.50% · 4.625%
HK$82,315
+HK$4,122/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,386/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,798
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,218
−HK$2,458/mo
Today · 4.125%
HK$82,676
baseline
▲ 0.50% · 4.625%
HK$87,707
+HK$5,031/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,352/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,549
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,871
−HK$2,354/mo
Today · 4.125%
HK$91,225
baseline
▲ 0.50% · 4.625%
HK$96,034
+HK$4,809/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,450/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,026
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$103,137
−HK$3,161/mo
Today · 4.125%
HK$106,298
baseline
▲ 0.50% · 4.625%
HK$112,766
+HK$6,468/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$212,596/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,278
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$114,262
−HK$3,028/mo
Today · 4.125%
HK$117,290
baseline
▲ 0.50% · 4.625%
HK$123,472
+HK$6,182/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$234,580/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,726 · Scale 2, in force from 26 Feb 2026)