LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,630
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,360
−HK$1,758/mo
Today · 4.125%
HK$59,118
baseline
▲ 0.50% · 4.625%
HK$62,716
+HK$3,598/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,236/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,036,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,888
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,548
−HK$1,683/mo
Today · 4.125%
HK$65,231
baseline
▲ 0.50% · 4.625%
HK$68,670
+HK$3,439/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,462/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,036,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,756
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,832
−HK$2,110/mo
Today · 4.125%
HK$70,942
baseline
▲ 0.50% · 4.625%
HK$75,259
+HK$4,317/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,884/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,036,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,265
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,257
−HK$2,021/mo
Today · 4.125%
HK$78,278
baseline
▲ 0.50% · 4.625%
HK$82,404
+HK$4,126/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,556/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,036,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,882
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$80,305
−HK$2,461/mo
Today · 4.125%
HK$82,766
baseline
▲ 0.50% · 4.625%
HK$87,802
+HK$5,036/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,532/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,036,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,643
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$88,967
−HK$2,357/mo
Today · 4.125%
HK$91,324
baseline
▲ 0.50% · 4.625%
HK$96,138
+HK$4,814/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,648/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,036,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,134
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$103,249
−HK$3,164/mo
Today · 4.125%
HK$106,413
baseline
▲ 0.50% · 4.625%
HK$112,888
+HK$6,475/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$212,826/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,398
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$114,386
−HK$3,031/mo
Today · 4.125%
HK$117,417
baseline
▲ 0.50% · 4.625%
HK$123,606
+HK$6,189/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$234,834/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,846 · Scale 2, in force from 26 Feb 2026)