LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,572
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,301
−HK$1,756/mo
Today · 4.125%
HK$59,057
baseline
▲ 0.50% · 4.625%
HK$62,650
+HK$3,593/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,114/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,823
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,481
−HK$1,683/mo
Today · 4.125%
HK$65,164
baseline
▲ 0.50% · 4.625%
HK$68,598
+HK$3,434/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,328/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,687
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,761
−HK$2,107/mo
Today · 4.125%
HK$70,868
baseline
▲ 0.50% · 4.625%
HK$75,181
+HK$4,313/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,736/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,188
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,178
−HK$2,018/mo
Today · 4.125%
HK$78,196
baseline
▲ 0.50% · 4.625%
HK$82,318
+HK$4,122/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,392/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,801
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,221
−HK$2,459/mo
Today · 4.125%
HK$82,680
baseline
▲ 0.50% · 4.625%
HK$87,711
+HK$5,031/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,360/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,553
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,874
−HK$2,355/mo
Today · 4.125%
HK$91,229
baseline
▲ 0.50% · 4.625%
HK$96,038
+HK$4,809/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,458/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,030
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$103,141
−HK$3,162/mo
Today · 4.125%
HK$106,303
baseline
▲ 0.50% · 4.625%
HK$112,771
+HK$6,468/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$212,606/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,282
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$114,267
−HK$3,027/mo
Today · 4.125%
HK$117,294
baseline
▲ 0.50% · 4.625%
HK$123,477
+HK$6,183/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$234,588/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,768 · Scale 2, in force from 26 Feb 2026)