LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,696
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,428
−HK$1,760/mo
Today · 4.125%
HK$59,188
baseline
▲ 0.50% · 4.625%
HK$62,790
+HK$3,602/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,376/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,961
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,623
−HK$1,685/mo
Today · 4.125%
HK$65,308
baseline
▲ 0.50% · 4.625%
HK$68,751
+HK$3,443/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,616/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,835
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,914
−HK$2,112/mo
Today · 4.125%
HK$71,026
baseline
▲ 0.50% · 4.625%
HK$75,348
+HK$4,322/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$142,052/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,353
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,347
−HK$2,023/mo
Today · 4.125%
HK$78,370
baseline
▲ 0.50% · 4.625%
HK$82,501
+HK$4,131/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$156,740/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,974
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,399
−HK$2,465/mo
Today · 4.125%
HK$82,864
baseline
▲ 0.50% · 4.625%
HK$87,906
+HK$5,042/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,728/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,745
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$89,072
−HK$2,360/mo
Today · 4.125%
HK$91,432
baseline
▲ 0.50% · 4.625%
HK$96,251
+HK$4,819/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,864/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,252
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$103,371
−HK$3,168/mo
Today · 4.125%
HK$106,539
baseline
▲ 0.50% · 4.625%
HK$113,021
+HK$6,482/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$213,078/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,529
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$114,521
−HK$3,034/mo
Today · 4.125%
HK$117,555
baseline
▲ 0.50% · 4.625%
HK$123,752
+HK$6,197/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$235,110/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,070 · Scale 2, in force from 26 Feb 2026)