LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,653
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,384
−HK$1,759/mo
Today · 4.125%
HK$59,143
baseline
▲ 0.50% · 4.625%
HK$62,741
+HK$3,598/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,286/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,913
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,574
−HK$1,684/mo
Today · 4.125%
HK$65,258
baseline
▲ 0.50% · 4.625%
HK$68,698
+HK$3,440/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,516/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,783
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,861
−HK$2,110/mo
Today · 4.125%
HK$70,971
baseline
▲ 0.50% · 4.625%
HK$75,290
+HK$4,319/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,942/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,296
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,288
−HK$2,022/mo
Today · 4.125%
HK$78,310
baseline
▲ 0.50% · 4.625%
HK$82,438
+HK$4,128/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,620/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,914
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$80,338
−HK$2,462/mo
Today · 4.125%
HK$82,800
baseline
▲ 0.50% · 4.625%
HK$87,838
+HK$5,038/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,600/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,679
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$89,003
−HK$2,358/mo
Today · 4.125%
HK$91,361
baseline
▲ 0.50% · 4.625%
HK$96,177
+HK$4,816/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,722/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,175
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$103,291
−HK$3,166/mo
Today · 4.125%
HK$106,457
baseline
▲ 0.50% · 4.625%
HK$112,935
+HK$6,478/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$212,914/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,444
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$114,433
−HK$3,032/mo
Today · 4.125%
HK$117,465
baseline
▲ 0.50% · 4.625%
HK$123,656
+HK$6,191/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$234,930/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,272 · Scale 2, in force from 26 Feb 2026)