LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,652
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,383
−HK$1,759/mo
Today · 4.125%
HK$59,142
baseline
▲ 0.50% · 4.625%
HK$62,740
+HK$3,598/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,284/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,912
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,573
−HK$1,684/mo
Today · 4.125%
HK$65,257
baseline
▲ 0.50% · 4.625%
HK$68,697
+HK$3,440/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,514/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,782
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,859
−HK$2,111/mo
Today · 4.125%
HK$70,970
baseline
▲ 0.50% · 4.625%
HK$75,288
+HK$4,318/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,940/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,294
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,287
−HK$2,021/mo
Today · 4.125%
HK$78,308
baseline
▲ 0.50% · 4.625%
HK$82,436
+HK$4,128/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,616/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,913
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$80,336
−HK$2,462/mo
Today · 4.125%
HK$82,798
baseline
▲ 0.50% · 4.625%
HK$87,836
+HK$5,038/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,596/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,677
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$89,002
−HK$2,358/mo
Today · 4.125%
HK$91,360
baseline
▲ 0.50% · 4.625%
HK$96,175
+HK$4,815/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,720/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,173
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$103,289
−HK$3,166/mo
Today · 4.125%
HK$106,455
baseline
▲ 0.50% · 4.625%
HK$112,933
+HK$6,478/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$212,910/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,442
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$114,431
−HK$3,032/mo
Today · 4.125%
HK$117,463
baseline
▲ 0.50% · 4.625%
HK$123,654
+HK$6,191/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$234,926/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,253 · Scale 2, in force from 26 Feb 2026)