LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,619
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,349
−HK$1,757/mo
Today · 4.125%
HK$59,106
baseline
▲ 0.50% · 4.625%
HK$62,703
+HK$3,597/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,212/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,875
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,535
−HK$1,683/mo
Today · 4.125%
HK$65,218
baseline
▲ 0.50% · 4.625%
HK$68,656
+HK$3,438/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,436/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,742
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,818
−HK$2,110/mo
Today · 4.125%
HK$70,928
baseline
▲ 0.50% · 4.625%
HK$75,243
+HK$4,315/mo
Deposit HK$9.76M · loan HK$14.63M · min. income ≈ HK$141,856/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,250
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,241
−HK$2,021/mo
Today · 4.125%
HK$78,262
baseline
▲ 0.50% · 4.625%
HK$82,387
+HK$4,125/mo
Deposit HK$9.76M · loan HK$14.63M · min. income ≈ HK$156,524/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,866
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$80,288
−HK$2,461/mo
Today · 4.125%
HK$82,749
baseline
▲ 0.50% · 4.625%
HK$87,784
+HK$5,035/mo
Deposit HK$7.32M · loan HK$17.07M · min. income ≈ HK$165,498/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,625
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,948
−HK$2,357/mo
Today · 4.125%
HK$91,305
baseline
▲ 0.50% · 4.625%
HK$96,118
+HK$4,813/mo
Deposit HK$7.32M · loan HK$17.07M · min. income ≈ HK$182,610/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,113
−HK$6,278/mo
▼ 0.25% · 3.875%
HK$103,227
−HK$3,164/mo
Today · 4.125%
HK$106,391
baseline
▲ 0.50% · 4.625%
HK$112,865
+HK$6,474/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$212,782/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,375
−HK$6,017/mo
▼ 0.25% · 3.875%
HK$114,362
−HK$3,030/mo
Today · 4.125%
HK$117,392
baseline
▲ 0.50% · 4.625%
HK$123,580
+HK$6,188/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$234,784/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,633 · Scale 2, in force from 26 Feb 2026)