LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,614
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,343
−HK$1,758/mo
Today · 4.125%
HK$59,101
baseline
▲ 0.50% · 4.625%
HK$62,697
+HK$3,596/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,202/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,870
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,529
−HK$1,683/mo
Today · 4.125%
HK$65,212
baseline
▲ 0.50% · 4.625%
HK$68,650
+HK$3,438/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,424/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,736
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,812
−HK$2,109/mo
Today · 4.125%
HK$70,921
baseline
▲ 0.50% · 4.625%
HK$75,237
+HK$4,316/mo
Deposit HK$9.76M · loan HK$14.63M · min. income ≈ HK$141,842/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,243
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,235
−HK$2,020/mo
Today · 4.125%
HK$78,255
baseline
▲ 0.50% · 4.625%
HK$82,379
+HK$4,124/mo
Deposit HK$9.76M · loan HK$14.63M · min. income ≈ HK$156,510/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,859
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$80,281
−HK$2,460/mo
Today · 4.125%
HK$82,741
baseline
▲ 0.50% · 4.625%
HK$87,776
+HK$5,035/mo
Deposit HK$7.32M · loan HK$17.07M · min. income ≈ HK$165,482/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,617
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,940
−HK$2,357/mo
Today · 4.125%
HK$91,297
baseline
▲ 0.50% · 4.625%
HK$96,109
+HK$4,812/mo
Deposit HK$7.32M · loan HK$17.07M · min. income ≈ HK$182,594/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,104
−HK$6,278/mo
▼ 0.25% · 3.875%
HK$103,218
−HK$3,164/mo
Today · 4.125%
HK$106,382
baseline
▲ 0.50% · 4.625%
HK$112,855
+HK$6,473/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$212,764/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,365
−HK$6,017/mo
▼ 0.25% · 3.875%
HK$114,352
−HK$3,030/mo
Today · 4.125%
HK$117,382
baseline
▲ 0.50% · 4.625%
HK$123,569
+HK$6,187/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$234,764/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,540 · Scale 2, in force from 26 Feb 2026)