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$62,752
+HK$3,600/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$1,037,442 · 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$1,037,442 · 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$1,037,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,308
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,301
−HK$2,022/mo
Today · 4.125%
HK$78,323
baseline
▲ 0.50% · 4.625%
HK$82,451
+HK$4,128/mo
Deposit HK$9.76M · loan HK$14.65M · min. income ≈ HK$156,646/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,927
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$80,351
−HK$2,462/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$1,037,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,693
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$89,018
−HK$2,358/mo
Today · 4.125%
HK$91,376
baseline
▲ 0.50% · 4.625%
HK$96,193
+HK$4,817/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$1,037,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,191
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$103,308
−HK$3,166/mo
Today · 4.125%
HK$106,474
baseline
▲ 0.50% · 4.625%
HK$112,953
+HK$6,479/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$1,037,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,462
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,451
−HK$3,033/mo
Today · 4.125%
HK$117,484
baseline
▲ 0.50% · 4.625%
HK$123,677
+HK$6,193/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$234,968/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,442 · Scale 2, in force from 26 Feb 2026)