LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,687
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,419
−HK$1,760/mo
Today · 4.125%
HK$59,179
baseline
▲ 0.50% · 4.625%
HK$62,780
+HK$3,601/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,358/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,952
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,613
−HK$1,686/mo
Today · 4.125%
HK$65,299
baseline
▲ 0.50% · 4.625%
HK$68,741
+HK$3,442/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,598/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,825
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,903
−HK$2,112/mo
Today · 4.125%
HK$71,015
baseline
▲ 0.50% · 4.625%
HK$75,336
+HK$4,321/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$142,030/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,342
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,336
−HK$2,022/mo
Today · 4.125%
HK$78,358
baseline
▲ 0.50% · 4.625%
HK$82,489
+HK$4,131/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,716/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,962
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,387
−HK$2,464/mo
Today · 4.125%
HK$82,851
baseline
▲ 0.50% · 4.625%
HK$87,892
+HK$5,041/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,702/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,732
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,058
−HK$2,360/mo
Today · 4.125%
HK$91,418
baseline
▲ 0.50% · 4.625%
HK$96,237
+HK$4,819/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,836/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,237
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$103,355
−HK$3,168/mo
Today · 4.125%
HK$106,523
baseline
▲ 0.50% · 4.625%
HK$113,004
+HK$6,481/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$213,046/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,513
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$114,503
−HK$3,034/mo
Today · 4.125%
HK$117,537
baseline
▲ 0.50% · 4.625%
HK$123,733
+HK$6,196/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$235,074/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,914 · Scale 2, in force from 26 Feb 2026)