LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,580
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,309
−HK$1,757/mo
Today · 4.125%
HK$59,066
baseline
▲ 0.50% · 4.625%
HK$62,660
+HK$3,594/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,132/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,833
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,491
−HK$1,682/mo
Today · 4.125%
HK$65,173
baseline
▲ 0.50% · 4.625%
HK$68,609
+HK$3,436/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,346/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,697
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,771
−HK$2,108/mo
Today · 4.125%
HK$70,879
baseline
▲ 0.50% · 4.625%
HK$75,192
+HK$4,313/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,758/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,035,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,199
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,189
−HK$2,019/mo
Today · 4.125%
HK$78,208
baseline
▲ 0.50% · 4.625%
HK$82,330
+HK$4,122/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,416/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,035,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,813
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,233
−HK$2,459/mo
Today · 4.125%
HK$82,692
baseline
▲ 0.50% · 4.625%
HK$87,724
+HK$5,032/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,384/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,566
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$88,887
−HK$2,356/mo
Today · 4.125%
HK$91,243
baseline
▲ 0.50% · 4.625%
HK$96,052
+HK$4,809/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,486/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,045
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$103,157
−HK$3,162/mo
Today · 4.125%
HK$106,319
baseline
▲ 0.50% · 4.625%
HK$112,788
+HK$6,469/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$212,638/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,299
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$114,284
−HK$3,028/mo
Today · 4.125%
HK$117,312
baseline
▲ 0.50% · 4.625%
HK$123,496
+HK$6,184/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$234,624/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,923 · Scale 2, in force from 26 Feb 2026)