LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,586
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,315
−HK$1,756/mo
Today · 4.125%
HK$59,071
baseline
▲ 0.50% · 4.625%
HK$62,666
+HK$3,595/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,142/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,036,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,839
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,497
−HK$1,683/mo
Today · 4.125%
HK$65,180
baseline
▲ 0.50% · 4.625%
HK$68,615
+HK$3,435/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,360/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,036,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,703
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,778
−HK$2,108/mo
Today · 4.125%
HK$70,886
baseline
▲ 0.50% · 4.625%
HK$75,199
+HK$4,313/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$141,772/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,206
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,196
−HK$2,019/mo
Today · 4.125%
HK$78,215
baseline
▲ 0.50% · 4.625%
HK$82,338
+HK$4,123/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$156,430/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,820
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$80,241
−HK$2,459/mo
Today · 4.125%
HK$82,700
baseline
▲ 0.50% · 4.625%
HK$87,732
+HK$5,032/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,400/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,574
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$88,896
−HK$2,355/mo
Today · 4.125%
HK$91,251
baseline
▲ 0.50% · 4.625%
HK$96,061
+HK$4,810/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,502/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,054
−HK$6,275/mo
▼ 0.25% · 3.875%
HK$103,167
−HK$3,162/mo
Today · 4.125%
HK$106,329
baseline
▲ 0.50% · 4.625%
HK$112,798
+HK$6,469/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$212,658/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,309
−HK$6,014/mo
▼ 0.25% · 3.875%
HK$114,295
−HK$3,028/mo
Today · 4.125%
HK$117,323
baseline
▲ 0.50% · 4.625%
HK$123,507
+HK$6,184/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$234,646/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,022 · Scale 2, in force from 26 Feb 2026)