LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,658
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,389
−HK$1,759/mo
Today · 4.125%
HK$59,148
baseline
▲ 0.50% · 4.625%
HK$62,747
+HK$3,599/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,296/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,919
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,580
−HK$1,684/mo
Today · 4.125%
HK$65,264
baseline
▲ 0.50% · 4.625%
HK$68,705
+HK$3,441/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,528/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,790
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,867
−HK$2,111/mo
Today · 4.125%
HK$70,978
baseline
▲ 0.50% · 4.625%
HK$75,297
+HK$4,319/mo
Deposit HK$9.76M · loan HK$14.65M · min. income ≈ HK$141,956/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,303
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,296
−HK$2,021/mo
Today · 4.125%
HK$78,317
baseline
▲ 0.50% · 4.625%
HK$82,445
+HK$4,128/mo
Deposit HK$9.76M · loan HK$14.65M · min. income ≈ HK$156,634/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,921
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,345
−HK$2,463/mo
Today · 4.125%
HK$82,808
baseline
▲ 0.50% · 4.625%
HK$87,846
+HK$5,038/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$165,616/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,687
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$89,012
−HK$2,358/mo
Today · 4.125%
HK$91,370
baseline
▲ 0.50% · 4.625%
HK$96,186
+HK$4,816/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$182,740/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,185
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$103,301
−HK$3,166/mo
Today · 4.125%
HK$106,467
baseline
▲ 0.50% · 4.625%
HK$112,945
+HK$6,478/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$212,934/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,454
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,443
−HK$3,033/mo
Today · 4.125%
HK$117,476
baseline
▲ 0.50% · 4.625%
HK$123,668
+HK$6,192/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$234,952/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,370 · Scale 2, in force from 26 Feb 2026)