LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,710
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,443
−HK$1,760/mo
Today · 4.125%
HK$59,203
baseline
▲ 0.50% · 4.625%
HK$62,806
+HK$3,603/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,406/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,977
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,639
−HK$1,686/mo
Today · 4.125%
HK$65,325
baseline
▲ 0.50% · 4.625%
HK$68,768
+HK$3,443/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,650/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,852
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$68,931
−HK$2,113/mo
Today · 4.125%
HK$71,044
baseline
▲ 0.50% · 4.625%
HK$75,367
+HK$4,323/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$142,088/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,372
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,367
−HK$2,023/mo
Today · 4.125%
HK$78,390
baseline
▲ 0.50% · 4.625%
HK$82,522
+HK$4,132/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$156,780/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,994
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,420
−HK$2,465/mo
Today · 4.125%
HK$82,885
baseline
▲ 0.50% · 4.625%
HK$87,928
+HK$5,043/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,770/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,767
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$89,094
−HK$2,361/mo
Today · 4.125%
HK$91,455
baseline
▲ 0.50% · 4.625%
HK$96,276
+HK$4,821/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,910/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,278
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$103,397
−HK$3,169/mo
Today · 4.125%
HK$106,566
baseline
▲ 0.50% · 4.625%
HK$113,050
+HK$6,484/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$213,132/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,558
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$114,550
−HK$3,035/mo
Today · 4.125%
HK$117,585
baseline
▲ 0.50% · 4.625%
HK$123,783
+HK$6,198/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$235,170/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,335 · Scale 2, in force from 26 Feb 2026)