LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,707
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,439
−HK$1,761/mo
Today · 4.125%
HK$59,200
baseline
▲ 0.50% · 4.625%
HK$62,802
+HK$3,602/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,400/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,973
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,635
−HK$1,686/mo
Today · 4.125%
HK$65,321
baseline
▲ 0.50% · 4.625%
HK$68,764
+HK$3,443/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,642/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,848
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$68,927
−HK$2,113/mo
Today · 4.125%
HK$71,040
baseline
▲ 0.50% · 4.625%
HK$75,363
+HK$4,323/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$142,080/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,368
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,362
−HK$2,024/mo
Today · 4.125%
HK$78,386
baseline
▲ 0.50% · 4.625%
HK$82,517
+HK$4,131/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$156,772/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,989
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,415
−HK$2,465/mo
Today · 4.125%
HK$82,880
baseline
▲ 0.50% · 4.625%
HK$87,923
+HK$5,043/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,760/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,762
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$89,089
−HK$2,361/mo
Today · 4.125%
HK$91,450
baseline
▲ 0.50% · 4.625%
HK$96,270
+HK$4,820/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,900/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,272
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$103,391
−HK$3,169/mo
Today · 4.125%
HK$106,560
baseline
▲ 0.50% · 4.625%
HK$113,044
+HK$6,484/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$213,120/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,552
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$114,543
−HK$3,035/mo
Today · 4.125%
HK$117,578
baseline
▲ 0.50% · 4.625%
HK$123,776
+HK$6,198/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$235,156/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,275 · Scale 2, in force from 26 Feb 2026)