LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,576
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,304
−HK$1,757/mo
Today · 4.125%
HK$59,061
baseline
▲ 0.50% · 4.625%
HK$62,654
+HK$3,593/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,122/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,827
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,485
−HK$1,683/mo
Today · 4.125%
HK$65,168
baseline
▲ 0.50% · 4.625%
HK$68,603
+HK$3,435/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,336/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,691
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,765
−HK$2,108/mo
Today · 4.125%
HK$70,873
baseline
▲ 0.50% · 4.625%
HK$75,185
+HK$4,312/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,746/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,193
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,183
−HK$2,018/mo
Today · 4.125%
HK$78,201
baseline
▲ 0.50% · 4.625%
HK$82,323
+HK$4,122/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,402/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,806
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,226
−HK$2,459/mo
Today · 4.125%
HK$82,685
baseline
▲ 0.50% · 4.625%
HK$87,716
+HK$5,031/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,370/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,558
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$88,880
−HK$2,355/mo
Today · 4.125%
HK$91,235
baseline
▲ 0.50% · 4.625%
HK$96,044
+HK$4,809/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,470/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,036
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$103,148
−HK$3,161/mo
Today · 4.125%
HK$106,309
baseline
▲ 0.50% · 4.625%
HK$112,778
+HK$6,469/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$212,618/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,289
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$114,274
−HK$3,028/mo
Today · 4.125%
HK$117,302
baseline
▲ 0.50% · 4.625%
HK$123,485
+HK$6,183/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$234,604/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,833 · Scale 2, in force from 26 Feb 2026)