LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,623
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,353
−HK$1,758/mo
Today · 4.125%
HK$59,111
baseline
▲ 0.50% · 4.625%
HK$62,708
+HK$3,597/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,222/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,880
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,540
−HK$1,683/mo
Today · 4.125%
HK$65,223
baseline
▲ 0.50% · 4.625%
HK$68,661
+HK$3,438/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,446/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,748
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,824
−HK$2,109/mo
Today · 4.125%
HK$70,933
baseline
▲ 0.50% · 4.625%
HK$75,250
+HK$4,317/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,866/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,256
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,248
−HK$2,020/mo
Today · 4.125%
HK$78,268
baseline
▲ 0.50% · 4.625%
HK$82,394
+HK$4,126/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,536/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,872
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$80,295
−HK$2,461/mo
Today · 4.125%
HK$82,756
baseline
▲ 0.50% · 4.625%
HK$87,791
+HK$5,035/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,512/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,632
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$88,956
−HK$2,357/mo
Today · 4.125%
HK$91,313
baseline
▲ 0.50% · 4.625%
HK$96,126
+HK$4,813/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,626/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,122
−HK$6,278/mo
▼ 0.25% · 3.875%
HK$103,236
−HK$3,164/mo
Today · 4.125%
HK$106,400
baseline
▲ 0.50% · 4.625%
HK$112,874
+HK$6,474/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$212,800/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,384
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$114,372
−HK$3,030/mo
Today · 4.125%
HK$117,402
baseline
▲ 0.50% · 4.625%
HK$123,591
+HK$6,189/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$234,804/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,719 · Scale 2, in force from 26 Feb 2026)