LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,667
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,399
−HK$1,759/mo
Today · 4.125%
HK$59,158
baseline
▲ 0.50% · 4.625%
HK$62,758
+HK$3,600/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,316/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,929
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,590
−HK$1,685/mo
Today · 4.125%
HK$65,275
baseline
▲ 0.50% · 4.625%
HK$68,716
+HK$3,441/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,550/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,801
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,879
−HK$2,111/mo
Today · 4.125%
HK$70,990
baseline
▲ 0.50% · 4.625%
HK$75,309
+HK$4,319/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$141,980/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,315
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,308
−HK$2,022/mo
Today · 4.125%
HK$78,330
baseline
▲ 0.50% · 4.625%
HK$82,459
+HK$4,129/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,660/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,934
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$80,359
−HK$2,463/mo
Today · 4.125%
HK$82,822
baseline
▲ 0.50% · 4.625%
HK$87,861
+HK$5,039/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$165,644/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,701
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,026
−HK$2,359/mo
Today · 4.125%
HK$91,385
baseline
▲ 0.50% · 4.625%
HK$96,202
+HK$4,817/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$182,770/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,201
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$103,318
−HK$3,167/mo
Today · 4.125%
HK$106,485
baseline
▲ 0.50% · 4.625%
HK$112,964
+HK$6,479/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$212,970/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,473
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,463
−HK$3,032/mo
Today · 4.125%
HK$117,495
baseline
▲ 0.50% · 4.625%
HK$123,689
+HK$6,194/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$234,990/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,544 · Scale 2, in force from 26 Feb 2026)