LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,655
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,386
−HK$1,759/mo
Today · 4.125%
HK$59,145
baseline
▲ 0.50% · 4.625%
HK$62,743
+HK$3,598/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,290/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,915
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,576
−HK$1,684/mo
Today · 4.125%
HK$65,260
baseline
▲ 0.50% · 4.625%
HK$68,700
+HK$3,440/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,520/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,785
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,863
−HK$2,110/mo
Today · 4.125%
HK$70,973
baseline
▲ 0.50% · 4.625%
HK$75,292
+HK$4,319/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,946/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,298
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,291
−HK$2,021/mo
Today · 4.125%
HK$78,312
baseline
▲ 0.50% · 4.625%
HK$82,440
+HK$4,128/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,624/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,916
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$80,340
−HK$2,462/mo
Today · 4.125%
HK$82,802
baseline
▲ 0.50% · 4.625%
HK$87,841
+HK$5,039/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,604/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,681
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$89,006
−HK$2,358/mo
Today · 4.125%
HK$91,364
baseline
▲ 0.50% · 4.625%
HK$96,180
+HK$4,816/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,728/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,178
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$103,294
−HK$3,166/mo
Today · 4.125%
HK$106,460
baseline
▲ 0.50% · 4.625%
HK$112,938
+HK$6,478/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$212,920/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,447
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$114,436
−HK$3,032/mo
Today · 4.125%
HK$117,468
baseline
▲ 0.50% · 4.625%
HK$123,660
+HK$6,192/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$234,936/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,304 · Scale 2, in force from 26 Feb 2026)