LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,661
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,392
−HK$1,759/mo
Today · 4.125%
HK$59,151
baseline
▲ 0.50% · 4.625%
HK$62,750
+HK$3,599/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,302/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,922
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,583
−HK$1,684/mo
Today · 4.125%
HK$65,267
baseline
▲ 0.50% · 4.625%
HK$68,708
+HK$3,441/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,534/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,793
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,871
−HK$2,110/mo
Today · 4.125%
HK$70,981
baseline
▲ 0.50% · 4.625%
HK$75,300
+HK$4,319/mo
Deposit HK$9.76M · loan HK$14.65M · min. income ≈ HK$141,962/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,306
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,299
−HK$2,022/mo
Today · 4.125%
HK$78,321
baseline
▲ 0.50% · 4.625%
HK$82,449
+HK$4,128/mo
Deposit HK$9.76M · loan HK$14.65M · min. income ≈ HK$156,642/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,925
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,349
−HK$2,463/mo
Today · 4.125%
HK$82,812
baseline
▲ 0.50% · 4.625%
HK$87,851
+HK$5,039/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$165,624/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,691
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$89,016
−HK$2,358/mo
Today · 4.125%
HK$91,374
baseline
▲ 0.50% · 4.625%
HK$96,191
+HK$4,817/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$182,748/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,189
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$103,306
−HK$3,166/mo
Today · 4.125%
HK$106,472
baseline
▲ 0.50% · 4.625%
HK$112,951
+HK$6,479/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$212,944/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,460
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$114,449
−HK$3,032/mo
Today · 4.125%
HK$117,481
baseline
▲ 0.50% · 4.625%
HK$123,674
+HK$6,193/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$234,962/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,419 · Scale 2, in force from 26 Feb 2026)