LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,675
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,407
−HK$1,760/mo
Today · 4.125%
HK$59,167
baseline
▲ 0.50% · 4.625%
HK$62,767
+HK$3,600/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,334/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,938
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,599
−HK$1,686/mo
Today · 4.125%
HK$65,285
baseline
▲ 0.50% · 4.625%
HK$68,726
+HK$3,441/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,570/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,810
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,889
−HK$2,111/mo
Today · 4.125%
HK$71,000
baseline
▲ 0.50% · 4.625%
HK$75,320
+HK$4,320/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$142,000/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,326
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,319
−HK$2,022/mo
Today · 4.125%
HK$78,341
baseline
▲ 0.50% · 4.625%
HK$82,471
+HK$4,130/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,682/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,945
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$80,370
−HK$2,463/mo
Today · 4.125%
HK$82,833
baseline
▲ 0.50% · 4.625%
HK$87,873
+HK$5,040/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$165,666/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,713
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,039
−HK$2,359/mo
Today · 4.125%
HK$91,398
baseline
▲ 0.50% · 4.625%
HK$96,216
+HK$4,818/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$182,796/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,216
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$103,333
−HK$3,167/mo
Today · 4.125%
HK$106,500
baseline
▲ 0.50% · 4.625%
HK$112,980
+HK$6,480/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$213,000/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,489
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$114,479
−HK$3,033/mo
Today · 4.125%
HK$117,512
baseline
▲ 0.50% · 4.625%
HK$123,706
+HK$6,194/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$235,024/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,691 · Scale 2, in force from 26 Feb 2026)