LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,673
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,405
−HK$1,760/mo
Today · 4.125%
HK$59,165
baseline
▲ 0.50% · 4.625%
HK$62,765
+HK$3,600/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,330/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,936
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,597
−HK$1,685/mo
Today · 4.125%
HK$65,282
baseline
▲ 0.50% · 4.625%
HK$68,724
+HK$3,442/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,564/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,808
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,886
−HK$2,112/mo
Today · 4.125%
HK$70,998
baseline
▲ 0.50% · 4.625%
HK$75,318
+HK$4,320/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$141,996/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,323
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,317
−HK$2,022/mo
Today · 4.125%
HK$78,339
baseline
▲ 0.50% · 4.625%
HK$82,468
+HK$4,129/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,678/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,943
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$80,367
−HK$2,464/mo
Today · 4.125%
HK$82,831
baseline
▲ 0.50% · 4.625%
HK$87,871
+HK$5,040/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$165,662/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,711
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,036
−HK$2,359/mo
Today · 4.125%
HK$91,395
baseline
▲ 0.50% · 4.625%
HK$96,213
+HK$4,818/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$182,790/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,212
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$103,329
−HK$3,167/mo
Today · 4.125%
HK$106,496
baseline
▲ 0.50% · 4.625%
HK$112,976
+HK$6,480/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$212,992/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,485
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$114,475
−HK$3,033/mo
Today · 4.125%
HK$117,508
baseline
▲ 0.50% · 4.625%
HK$123,702
+HK$6,194/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$235,016/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,657 · Scale 2, in force from 26 Feb 2026)