LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,650
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,381
−HK$1,758/mo
Today · 4.125%
HK$59,139
baseline
▲ 0.50% · 4.625%
HK$62,738
+HK$3,599/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,278/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,910
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,570
−HK$1,684/mo
Today · 4.125%
HK$65,254
baseline
▲ 0.50% · 4.625%
HK$68,694
+HK$3,440/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,508/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,780
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,857
−HK$2,110/mo
Today · 4.125%
HK$70,967
baseline
▲ 0.50% · 4.625%
HK$75,285
+HK$4,318/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,934/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,292
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,284
−HK$2,021/mo
Today · 4.125%
HK$78,305
baseline
▲ 0.50% · 4.625%
HK$82,433
+HK$4,128/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,610/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,910
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$80,333
−HK$2,462/mo
Today · 4.125%
HK$82,795
baseline
▲ 0.50% · 4.625%
HK$87,833
+HK$5,038/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,590/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,674
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$88,998
−HK$2,358/mo
Today · 4.125%
HK$91,356
baseline
▲ 0.50% · 4.625%
HK$96,172
+HK$4,816/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,712/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,169
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$103,285
−HK$3,166/mo
Today · 4.125%
HK$106,451
baseline
▲ 0.50% · 4.625%
HK$112,928
+HK$6,477/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$212,902/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,437
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$114,426
−HK$3,032/mo
Today · 4.125%
HK$117,458
baseline
▲ 0.50% · 4.625%
HK$123,649
+HK$6,191/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$234,916/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,213 · Scale 2, in force from 26 Feb 2026)