LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,679
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,411
−HK$1,760/mo
Today · 4.125%
HK$59,171
baseline
▲ 0.50% · 4.625%
HK$62,771
+HK$3,600/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,342/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,943
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,604
−HK$1,685/mo
Today · 4.125%
HK$65,289
baseline
▲ 0.50% · 4.625%
HK$68,731
+HK$3,442/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,578/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,815
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,893
−HK$2,112/mo
Today · 4.125%
HK$71,005
baseline
▲ 0.50% · 4.625%
HK$75,325
+HK$4,320/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$142,010/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,331
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,325
−HK$2,022/mo
Today · 4.125%
HK$78,347
baseline
▲ 0.50% · 4.625%
HK$82,477
+HK$4,130/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,694/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,951
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$80,376
−HK$2,463/mo
Today · 4.125%
HK$82,839
baseline
▲ 0.50% · 4.625%
HK$87,880
+HK$5,041/mo
Deposit HK$7.33M · loan HK$17.09M · min. income ≈ HK$165,678/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,720
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,045
−HK$2,360/mo
Today · 4.125%
HK$91,405
baseline
▲ 0.50% · 4.625%
HK$96,223
+HK$4,818/mo
Deposit HK$7.33M · loan HK$17.09M · min. income ≈ HK$182,810/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,223
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$103,340
−HK$3,168/mo
Today · 4.125%
HK$106,508
baseline
▲ 0.50% · 4.625%
HK$112,988
+HK$6,480/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$213,016/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,497
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$114,487
−HK$3,034/mo
Today · 4.125%
HK$117,521
baseline
▲ 0.50% · 4.625%
HK$123,715
+HK$6,194/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$235,042/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,765 · Scale 2, in force from 26 Feb 2026)