LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,600
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,330
−HK$1,757/mo
Today · 4.125%
HK$59,087
baseline
▲ 0.50% · 4.625%
HK$62,682
+HK$3,595/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,174/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,855
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,513
−HK$1,683/mo
Today · 4.125%
HK$65,196
baseline
▲ 0.50% · 4.625%
HK$68,633
+HK$3,437/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,392/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,720
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,795
−HK$2,109/mo
Today · 4.125%
HK$70,904
baseline
▲ 0.50% · 4.625%
HK$75,218
+HK$4,314/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$141,808/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,225
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,216
−HK$2,020/mo
Today · 4.125%
HK$78,236
baseline
▲ 0.50% · 4.625%
HK$82,359
+HK$4,123/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$156,472/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,840
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$80,261
−HK$2,460/mo
Today · 4.125%
HK$82,721
baseline
▲ 0.50% · 4.625%
HK$87,755
+HK$5,034/mo
Deposit HK$7.31M · loan HK$17.07M · min. income ≈ HK$165,442/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,596
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$88,919
−HK$2,356/mo
Today · 4.125%
HK$91,275
baseline
▲ 0.50% · 4.625%
HK$96,086
+HK$4,811/mo
Deposit HK$7.31M · loan HK$17.07M · min. income ≈ HK$182,550/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,080
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$103,193
−HK$3,163/mo
Today · 4.125%
HK$106,356
baseline
▲ 0.50% · 4.625%
HK$112,828
+HK$6,472/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$212,712/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,338
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$114,324
−HK$3,029/mo
Today · 4.125%
HK$117,353
baseline
▲ 0.50% · 4.625%
HK$123,539
+HK$6,186/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$234,706/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,288 · Scale 2, in force from 26 Feb 2026)