LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,699
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,431
−HK$1,761/mo
Today · 4.125%
HK$59,192
baseline
▲ 0.50% · 4.625%
HK$62,793
+HK$3,601/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,384/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,964
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,626
−HK$1,686/mo
Today · 4.125%
HK$65,312
baseline
▲ 0.50% · 4.625%
HK$68,755
+HK$3,443/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,624/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,838
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$68,918
−HK$2,112/mo
Today · 4.125%
HK$71,030
baseline
▲ 0.50% · 4.625%
HK$75,352
+HK$4,322/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$142,060/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,357
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,351
−HK$2,023/mo
Today · 4.125%
HK$78,374
baseline
▲ 0.50% · 4.625%
HK$82,506
+HK$4,132/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$156,748/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,978
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,404
−HK$2,464/mo
Today · 4.125%
HK$82,868
baseline
▲ 0.50% · 4.625%
HK$87,910
+HK$5,042/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,736/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,750
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$89,077
−HK$2,360/mo
Today · 4.125%
HK$91,437
baseline
▲ 0.50% · 4.625%
HK$96,257
+HK$4,820/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,874/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,258
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$103,376
−HK$3,169/mo
Today · 4.125%
HK$106,545
baseline
▲ 0.50% · 4.625%
HK$113,028
+HK$6,483/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$213,090/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,536
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$114,527
−HK$3,035/mo
Today · 4.125%
HK$117,562
baseline
▲ 0.50% · 4.625%
HK$123,758
+HK$6,196/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$235,124/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,127 · Scale 2, in force from 26 Feb 2026)