LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,601
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,330
−HK$1,758/mo
Today · 4.125%
HK$59,088
baseline
▲ 0.50% · 4.625%
HK$62,683
+HK$3,595/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,176/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,855
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,514
−HK$1,683/mo
Today · 4.125%
HK$65,197
baseline
▲ 0.50% · 4.625%
HK$68,634
+HK$3,437/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,394/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,721
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,796
−HK$2,109/mo
Today · 4.125%
HK$70,905
baseline
▲ 0.50% · 4.625%
HK$75,219
+HK$4,314/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$141,810/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,226
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,217
−HK$2,020/mo
Today · 4.125%
HK$78,237
baseline
▲ 0.50% · 4.625%
HK$82,361
+HK$4,124/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$156,474/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,841
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$80,263
−HK$2,460/mo
Today · 4.125%
HK$82,723
baseline
▲ 0.50% · 4.625%
HK$87,756
+HK$5,033/mo
Deposit HK$7.32M · loan HK$17.07M · min. income ≈ HK$165,446/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,598
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$88,920
−HK$2,356/mo
Today · 4.125%
HK$91,276
baseline
▲ 0.50% · 4.625%
HK$96,087
+HK$4,811/mo
Deposit HK$7.32M · loan HK$17.07M · min. income ≈ HK$182,552/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,082
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$103,195
−HK$3,163/mo
Today · 4.125%
HK$106,358
baseline
▲ 0.50% · 4.625%
HK$112,829
+HK$6,471/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$212,716/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,340
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$114,326
−HK$3,029/mo
Today · 4.125%
HK$117,355
baseline
▲ 0.50% · 4.625%
HK$123,541
+HK$6,186/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$234,710/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,304 · Scale 2, in force from 26 Feb 2026)