LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,682
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,414
−HK$1,760/mo
Today · 4.125%
HK$59,174
baseline
▲ 0.50% · 4.625%
HK$62,775
+HK$3,601/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,348/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,946
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,607
−HK$1,686/mo
Today · 4.125%
HK$65,293
baseline
▲ 0.50% · 4.625%
HK$68,735
+HK$3,442/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,586/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,819
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,897
−HK$2,112/mo
Today · 4.125%
HK$71,009
baseline
▲ 0.50% · 4.625%
HK$75,330
+HK$4,321/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$142,018/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,335
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,329
−HK$2,022/mo
Today · 4.125%
HK$78,351
baseline
▲ 0.50% · 4.625%
HK$82,481
+HK$4,130/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,702/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,955
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,380
−HK$2,464/mo
Today · 4.125%
HK$82,844
baseline
▲ 0.50% · 4.625%
HK$87,885
+HK$5,041/mo
Deposit HK$7.33M · loan HK$17.09M · min. income ≈ HK$165,688/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,725
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,050
−HK$2,360/mo
Today · 4.125%
HK$91,410
baseline
▲ 0.50% · 4.625%
HK$96,228
+HK$4,818/mo
Deposit HK$7.33M · loan HK$17.09M · min. income ≈ HK$182,820/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,228
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$103,346
−HK$3,168/mo
Today · 4.125%
HK$106,514
baseline
▲ 0.50% · 4.625%
HK$112,995
+HK$6,481/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$213,028/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,503
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$114,493
−HK$3,034/mo
Today · 4.125%
HK$117,527
baseline
▲ 0.50% · 4.625%
HK$123,722
+HK$6,195/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$235,054/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,824 · Scale 2, in force from 26 Feb 2026)