LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,646
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,377
−HK$1,758/mo
Today · 4.125%
HK$59,135
baseline
▲ 0.50% · 4.625%
HK$62,734
+HK$3,599/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,270/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,906
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,566
−HK$1,684/mo
Today · 4.125%
HK$65,250
baseline
▲ 0.50% · 4.625%
HK$68,690
+HK$3,440/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,500/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,775
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,852
−HK$2,110/mo
Today · 4.125%
HK$70,962
baseline
▲ 0.50% · 4.625%
HK$75,280
+HK$4,318/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,924/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,287
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,279
−HK$2,021/mo
Today · 4.125%
HK$78,300
baseline
▲ 0.50% · 4.625%
HK$82,427
+HK$4,127/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,600/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,904
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$80,328
−HK$2,462/mo
Today · 4.125%
HK$82,790
baseline
▲ 0.50% · 4.625%
HK$87,827
+HK$5,037/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,580/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,668
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$88,992
−HK$2,358/mo
Today · 4.125%
HK$91,350
baseline
▲ 0.50% · 4.625%
HK$96,165
+HK$4,815/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,700/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,163
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$103,278
−HK$3,166/mo
Today · 4.125%
HK$106,444
baseline
▲ 0.50% · 4.625%
HK$112,921
+HK$6,477/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$212,888/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,430
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$114,418
−HK$3,032/mo
Today · 4.125%
HK$117,450
baseline
▲ 0.50% · 4.625%
HK$123,641
+HK$6,191/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$234,900/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,143 · Scale 2, in force from 26 Feb 2026)