LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,636
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,367
−HK$1,758/mo
Today · 4.125%
HK$59,125
baseline
▲ 0.50% · 4.625%
HK$62,723
+HK$3,598/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,250/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,036,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,895
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,555
−HK$1,684/mo
Today · 4.125%
HK$65,239
baseline
▲ 0.50% · 4.625%
HK$68,678
+HK$3,439/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,478/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,036,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,764
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,841
−HK$2,109/mo
Today · 4.125%
HK$70,950
baseline
▲ 0.50% · 4.625%
HK$75,268
+HK$4,318/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,900/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,036,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,274
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,266
−HK$2,021/mo
Today · 4.125%
HK$78,287
baseline
▲ 0.50% · 4.625%
HK$82,413
+HK$4,126/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,574/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,036,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,891
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$80,314
−HK$2,462/mo
Today · 4.125%
HK$82,776
baseline
▲ 0.50% · 4.625%
HK$87,812
+HK$5,036/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,552/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,036,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,653
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$88,977
−HK$2,358/mo
Today · 4.125%
HK$91,335
baseline
▲ 0.50% · 4.625%
HK$96,149
+HK$4,814/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,670/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,036,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,146
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$103,261
−HK$3,165/mo
Today · 4.125%
HK$106,426
baseline
▲ 0.50% · 4.625%
HK$112,901
+HK$6,475/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$212,852/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,411
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$114,399
−HK$3,031/mo
Today · 4.125%
HK$117,430
baseline
▲ 0.50% · 4.625%
HK$123,620
+HK$6,190/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$234,860/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,968 · Scale 2, in force from 26 Feb 2026)