LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,628
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,358
−HK$1,758/mo
Today · 4.125%
HK$59,116
baseline
▲ 0.50% · 4.625%
HK$62,713
+HK$3,597/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,232/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,886
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,545
−HK$1,684/mo
Today · 4.125%
HK$65,229
baseline
▲ 0.50% · 4.625%
HK$68,667
+HK$3,438/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,458/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,754
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,830
−HK$2,110/mo
Today · 4.125%
HK$70,940
baseline
▲ 0.50% · 4.625%
HK$75,256
+HK$4,316/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,880/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,263
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,254
−HK$2,021/mo
Today · 4.125%
HK$78,275
baseline
▲ 0.50% · 4.625%
HK$82,401
+HK$4,126/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,550/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,879
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$80,302
−HK$2,461/mo
Today · 4.125%
HK$82,763
baseline
▲ 0.50% · 4.625%
HK$87,799
+HK$5,036/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,526/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,036,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,640
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$88,963
−HK$2,358/mo
Today · 4.125%
HK$91,321
baseline
▲ 0.50% · 4.625%
HK$96,134
+HK$4,813/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,642/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,036,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,130
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$103,245
−HK$3,164/mo
Today · 4.125%
HK$106,409
baseline
▲ 0.50% · 4.625%
HK$112,884
+HK$6,475/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$212,818/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,394
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$114,381
−HK$3,031/mo
Today · 4.125%
HK$117,412
baseline
▲ 0.50% · 4.625%
HK$123,601
+HK$6,189/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$234,824/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,808 · Scale 2, in force from 26 Feb 2026)