LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,685
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,417
−HK$1,760/mo
Today · 4.125%
HK$59,177
baseline
▲ 0.50% · 4.625%
HK$62,778
+HK$3,601/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,354/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,949
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,611
−HK$1,685/mo
Today · 4.125%
HK$65,296
baseline
▲ 0.50% · 4.625%
HK$68,738
+HK$3,442/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,592/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,822
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,901
−HK$2,111/mo
Today · 4.125%
HK$71,012
baseline
▲ 0.50% · 4.625%
HK$75,333
+HK$4,321/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$142,024/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,339
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,333
−HK$2,022/mo
Today · 4.125%
HK$78,355
baseline
▲ 0.50% · 4.625%
HK$82,485
+HK$4,130/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,710/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,959
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,384
−HK$2,464/mo
Today · 4.125%
HK$82,848
baseline
▲ 0.50% · 4.625%
HK$87,889
+HK$5,041/mo
Deposit HK$7.33M · loan HK$17.09M · min. income ≈ HK$165,696/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,729
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,055
−HK$2,359/mo
Today · 4.125%
HK$91,414
baseline
▲ 0.50% · 4.625%
HK$96,233
+HK$4,819/mo
Deposit HK$7.33M · loan HK$17.09M · min. income ≈ HK$182,828/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,233
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$103,351
−HK$3,168/mo
Today · 4.125%
HK$106,519
baseline
▲ 0.50% · 4.625%
HK$113,000
+HK$6,481/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$213,038/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,508
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$114,499
−HK$3,034/mo
Today · 4.125%
HK$117,533
baseline
▲ 0.50% · 4.625%
HK$123,728
+HK$6,195/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$235,066/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,873 · Scale 2, in force from 26 Feb 2026)