LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,688
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,420
−HK$1,760/mo
Today · 4.125%
HK$59,180
baseline
▲ 0.50% · 4.625%
HK$62,781
+HK$3,601/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,360/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,920 · 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$1,037,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,825
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,904
−HK$2,112/mo
Today · 4.125%
HK$71,016
baseline
▲ 0.50% · 4.625%
HK$75,337
+HK$4,321/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$142,032/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,342
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,336
−HK$2,023/mo
Today · 4.125%
HK$78,359
baseline
▲ 0.50% · 4.625%
HK$82,489
+HK$4,130/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,718/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,963
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,388
−HK$2,464/mo
Today · 4.125%
HK$82,852
baseline
▲ 0.50% · 4.625%
HK$87,893
+HK$5,041/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,704/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,733
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,059
−HK$2,360/mo
Today · 4.125%
HK$91,419
baseline
▲ 0.50% · 4.625%
HK$96,237
+HK$4,818/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,838/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,238
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$103,356
−HK$3,167/mo
Today · 4.125%
HK$106,523
baseline
▲ 0.50% · 4.625%
HK$113,005
+HK$6,482/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$1,037,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,513
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$114,504
−HK$3,034/mo
Today · 4.125%
HK$117,538
baseline
▲ 0.50% · 4.625%
HK$123,734
+HK$6,196/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$235,076/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,920 · Scale 2, in force from 26 Feb 2026)