LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,703
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,436
−HK$1,760/mo
Today · 4.125%
HK$59,196
baseline
▲ 0.50% · 4.625%
HK$62,798
+HK$3,602/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,392/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,969
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,631
−HK$1,686/mo
Today · 4.125%
HK$65,317
baseline
▲ 0.50% · 4.625%
HK$68,760
+HK$3,443/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,634/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,844
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,923
−HK$2,112/mo
Today · 4.125%
HK$71,035
baseline
▲ 0.50% · 4.625%
HK$75,358
+HK$4,323/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$142,070/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,363
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,357
−HK$2,023/mo
Today · 4.125%
HK$78,380
baseline
▲ 0.50% · 4.625%
HK$82,512
+HK$4,132/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$156,760/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,984
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,410
−HK$2,464/mo
Today · 4.125%
HK$82,874
baseline
▲ 0.50% · 4.625%
HK$87,917
+HK$5,043/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,748/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,757
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$89,083
−HK$2,361/mo
Today · 4.125%
HK$91,444
baseline
▲ 0.50% · 4.625%
HK$96,264
+HK$4,820/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,888/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,265
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$103,384
−HK$3,169/mo
Today · 4.125%
HK$106,553
baseline
▲ 0.50% · 4.625%
HK$113,036
+HK$6,483/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$213,106/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,544
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$114,536
−HK$3,035/mo
Today · 4.125%
HK$117,571
baseline
▲ 0.50% · 4.625%
HK$123,768
+HK$6,197/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$235,142/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,207 · Scale 2, in force from 26 Feb 2026)