LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,597
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,326
−HK$1,757/mo
Today · 4.125%
HK$59,083
baseline
▲ 0.50% · 4.625%
HK$62,678
+HK$3,595/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,166/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,851
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,510
−HK$1,682/mo
Today · 4.125%
HK$65,192
baseline
▲ 0.50% · 4.625%
HK$68,629
+HK$3,437/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,384/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,716
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,791
−HK$2,109/mo
Today · 4.125%
HK$70,900
baseline
▲ 0.50% · 4.625%
HK$75,214
+HK$4,314/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$141,800/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,221
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,211
−HK$2,020/mo
Today · 4.125%
HK$78,231
baseline
▲ 0.50% · 4.625%
HK$82,355
+HK$4,124/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$156,462/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,835
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$80,257
−HK$2,459/mo
Today · 4.125%
HK$82,716
baseline
▲ 0.50% · 4.625%
HK$87,749
+HK$5,033/mo
Deposit HK$7.31M · loan HK$17.07M · min. income ≈ HK$165,432/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,591
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$88,913
−HK$2,356/mo
Today · 4.125%
HK$91,269
baseline
▲ 0.50% · 4.625%
HK$96,080
+HK$4,811/mo
Deposit HK$7.31M · loan HK$17.07M · min. income ≈ HK$182,538/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,074
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$103,187
−HK$3,163/mo
Today · 4.125%
HK$106,350
baseline
▲ 0.50% · 4.625%
HK$112,821
+HK$6,471/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$212,700/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,331
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$114,317
−HK$3,029/mo
Today · 4.125%
HK$117,346
baseline
▲ 0.50% · 4.625%
HK$123,532
+HK$6,186/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$234,692/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,226 · Scale 2, in force from 26 Feb 2026)