LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,662
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,393
−HK$1,759/mo
Today · 4.125%
HK$59,152
baseline
▲ 0.50% · 4.625%
HK$62,751
+HK$3,599/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,304/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,923
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,584
−HK$1,685/mo
Today · 4.125%
HK$65,269
baseline
▲ 0.50% · 4.625%
HK$68,709
+HK$3,440/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,538/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,794
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,872
−HK$2,111/mo
Today · 4.125%
HK$70,983
baseline
▲ 0.50% · 4.625%
HK$75,302
+HK$4,319/mo
Deposit HK$9.76M · loan HK$14.65M · min. income ≈ HK$141,966/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,308
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,300
−HK$2,022/mo
Today · 4.125%
HK$78,322
baseline
▲ 0.50% · 4.625%
HK$82,451
+HK$4,129/mo
Deposit HK$9.76M · loan HK$14.65M · min. income ≈ HK$156,644/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,926
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,350
−HK$2,463/mo
Today · 4.125%
HK$82,813
baseline
▲ 0.50% · 4.625%
HK$87,852
+HK$5,039/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$165,626/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,692
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,017
−HK$2,359/mo
Today · 4.125%
HK$91,376
baseline
▲ 0.50% · 4.625%
HK$96,192
+HK$4,816/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$182,752/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,191
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$103,307
−HK$3,167/mo
Today · 4.125%
HK$106,474
baseline
▲ 0.50% · 4.625%
HK$112,952
+HK$6,478/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$212,948/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,461
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,451
−HK$3,032/mo
Today · 4.125%
HK$117,483
baseline
▲ 0.50% · 4.625%
HK$123,676
+HK$6,193/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$234,966/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,436 · Scale 2, in force from 26 Feb 2026)