LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,656
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,387
−HK$1,759/mo
Today · 4.125%
HK$59,146
baseline
▲ 0.50% · 4.625%
HK$62,745
+HK$3,599/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,292/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,916
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,577
−HK$1,684/mo
Today · 4.125%
HK$65,261
baseline
▲ 0.50% · 4.625%
HK$68,701
+HK$3,440/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,522/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,787
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,864
−HK$2,111/mo
Today · 4.125%
HK$70,975
baseline
▲ 0.50% · 4.625%
HK$75,293
+HK$4,318/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,950/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,299
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,292
−HK$2,022/mo
Today · 4.125%
HK$78,314
baseline
▲ 0.50% · 4.625%
HK$82,442
+HK$4,128/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,628/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,918
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$80,341
−HK$2,463/mo
Today · 4.125%
HK$82,804
baseline
▲ 0.50% · 4.625%
HK$87,842
+HK$5,038/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$165,608/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,683
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$89,008
−HK$2,358/mo
Today · 4.125%
HK$91,366
baseline
▲ 0.50% · 4.625%
HK$96,182
+HK$4,816/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$182,732/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,180
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$103,296
−HK$3,166/mo
Today · 4.125%
HK$106,462
baseline
▲ 0.50% · 4.625%
HK$112,940
+HK$6,478/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$212,924/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,449
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,438
−HK$3,033/mo
Today · 4.125%
HK$117,471
baseline
▲ 0.50% · 4.625%
HK$123,663
+HK$6,192/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$234,942/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,323 · Scale 2, in force from 26 Feb 2026)