LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,683
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,415
−HK$1,759/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$1,037,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,946
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,608
−HK$1,685/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$1,037,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,819
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,898
−HK$2,111/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$1,037,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,336
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,329
−HK$2,023/mo
Today · 4.125%
HK$78,352
baseline
▲ 0.50% · 4.625%
HK$82,482
+HK$4,130/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,704/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,956
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$80,381
−HK$2,463/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$1,037,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,725
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,051
−HK$2,359/mo
Today · 4.125%
HK$91,410
baseline
▲ 0.50% · 4.625%
HK$96,229
+HK$4,819/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$1,037,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,229
−HK$6,285/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$1,037,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,504
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$114,494
−HK$3,034/mo
Today · 4.125%
HK$117,528
baseline
▲ 0.50% · 4.625%
HK$123,723
+HK$6,195/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$235,056/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,828 · Scale 2, in force from 26 Feb 2026)