LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,609
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,339
−HK$1,757/mo
Today · 4.125%
HK$59,096
baseline
▲ 0.50% · 4.625%
HK$62,692
+HK$3,596/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,192/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,865
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,524
−HK$1,683/mo
Today · 4.125%
HK$65,207
baseline
▲ 0.50% · 4.625%
HK$68,644
+HK$3,437/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,414/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,731
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,807
−HK$2,109/mo
Today · 4.125%
HK$70,916
baseline
▲ 0.50% · 4.625%
HK$75,231
+HK$4,315/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$141,832/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,238
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,229
−HK$2,019/mo
Today · 4.125%
HK$78,248
baseline
▲ 0.50% · 4.625%
HK$82,373
+HK$4,125/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$156,496/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,853
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$80,274
−HK$2,461/mo
Today · 4.125%
HK$82,735
baseline
▲ 0.50% · 4.625%
HK$87,769
+HK$5,034/mo
Deposit HK$7.32M · loan HK$17.07M · min. income ≈ HK$165,470/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,610
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,933
−HK$2,357/mo
Today · 4.125%
HK$91,290
baseline
▲ 0.50% · 4.625%
HK$96,102
+HK$4,812/mo
Deposit HK$7.32M · loan HK$17.07M · min. income ≈ HK$182,580/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,096
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$103,210
−HK$3,163/mo
Today · 4.125%
HK$106,373
baseline
▲ 0.50% · 4.625%
HK$112,846
+HK$6,473/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$212,746/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,356
−HK$6,017/mo
▼ 0.25% · 3.875%
HK$114,343
−HK$3,030/mo
Today · 4.125%
HK$117,373
baseline
▲ 0.50% · 4.625%
HK$123,559
+HK$6,186/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$234,746/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,458 · Scale 2, in force from 26 Feb 2026)