LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,571
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,299
−HK$1,757/mo
Today · 4.125%
HK$59,056
baseline
▲ 0.50% · 4.625%
HK$62,649
+HK$3,593/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,112/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,822
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,480
−HK$1,682/mo
Today · 4.125%
HK$65,162
baseline
▲ 0.50% · 4.625%
HK$68,597
+HK$3,435/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,324/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,685
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,759
−HK$2,108/mo
Today · 4.125%
HK$70,867
baseline
▲ 0.50% · 4.625%
HK$75,179
+HK$4,312/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,734/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,186
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,176
−HK$2,018/mo
Today · 4.125%
HK$78,194
baseline
▲ 0.50% · 4.625%
HK$82,316
+HK$4,122/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,388/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,799
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,219
−HK$2,459/mo
Today · 4.125%
HK$82,678
baseline
▲ 0.50% · 4.625%
HK$87,709
+HK$5,031/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,356/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,551
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,872
−HK$2,355/mo
Today · 4.125%
HK$91,227
baseline
▲ 0.50% · 4.625%
HK$96,036
+HK$4,809/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,454/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,027
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$103,139
−HK$3,161/mo
Today · 4.125%
HK$106,300
baseline
▲ 0.50% · 4.625%
HK$112,768
+HK$6,468/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$212,600/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,280
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$114,264
−HK$3,028/mo
Today · 4.125%
HK$117,292
baseline
▲ 0.50% · 4.625%
HK$123,474
+HK$6,182/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$234,584/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,744 · Scale 2, in force from 26 Feb 2026)