LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,666
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,397
−HK$1,760/mo
Today · 4.125%
HK$59,157
baseline
▲ 0.50% · 4.625%
HK$62,756
+HK$3,599/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,314/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,928
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,589
−HK$1,685/mo
Today · 4.125%
HK$65,274
baseline
▲ 0.50% · 4.625%
HK$68,714
+HK$3,440/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,548/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,799
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,877
−HK$2,111/mo
Today · 4.125%
HK$70,988
baseline
▲ 0.50% · 4.625%
HK$75,307
+HK$4,319/mo
Deposit HK$9.76M · loan HK$14.65M · min. income ≈ HK$141,976/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,313
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,306
−HK$2,022/mo
Today · 4.125%
HK$78,328
baseline
▲ 0.50% · 4.625%
HK$82,457
+HK$4,129/mo
Deposit HK$9.76M · loan HK$14.65M · min. income ≈ HK$156,656/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,932
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,356
−HK$2,463/mo
Today · 4.125%
HK$82,819
baseline
▲ 0.50% · 4.625%
HK$87,859
+HK$5,040/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$165,638/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,699
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,024
−HK$2,359/mo
Today · 4.125%
HK$91,383
baseline
▲ 0.50% · 4.625%
HK$96,200
+HK$4,817/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$182,766/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,199
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$103,315
−HK$3,167/mo
Today · 4.125%
HK$106,482
baseline
▲ 0.50% · 4.625%
HK$112,961
+HK$6,479/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$212,964/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,470
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,460
−HK$3,032/mo
Today · 4.125%
HK$117,492
baseline
▲ 0.50% · 4.625%
HK$123,686
+HK$6,194/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$234,984/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,516 · Scale 2, in force from 26 Feb 2026)