LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,672
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,404
−HK$1,759/mo
Today · 4.125%
HK$59,163
baseline
▲ 0.50% · 4.625%
HK$62,763
+HK$3,600/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,326/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,935
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,596
−HK$1,685/mo
Today · 4.125%
HK$65,281
baseline
▲ 0.50% · 4.625%
HK$68,722
+HK$3,441/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,562/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,806
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,884
−HK$2,112/mo
Today · 4.125%
HK$70,996
baseline
▲ 0.50% · 4.625%
HK$75,316
+HK$4,320/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$141,992/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,321
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,315
−HK$2,022/mo
Today · 4.125%
HK$78,337
baseline
▲ 0.50% · 4.625%
HK$82,466
+HK$4,129/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,674/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,941
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,365
−HK$2,463/mo
Today · 4.125%
HK$82,828
baseline
▲ 0.50% · 4.625%
HK$87,868
+HK$5,040/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$165,656/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,708
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,034
−HK$2,359/mo
Today · 4.125%
HK$91,393
baseline
▲ 0.50% · 4.625%
HK$96,210
+HK$4,817/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$182,786/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,210
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$103,327
−HK$3,167/mo
Today · 4.125%
HK$106,494
baseline
▲ 0.50% · 4.625%
HK$112,974
+HK$6,480/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$212,988/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,482
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$114,472
−HK$3,033/mo
Today · 4.125%
HK$117,505
baseline
▲ 0.50% · 4.625%
HK$123,699
+HK$6,194/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$235,010/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,630 · Scale 2, in force from 26 Feb 2026)