LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,720
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,453
−HK$1,761/mo
Today · 4.125%
HK$59,214
baseline
▲ 0.50% · 4.625%
HK$62,817
+HK$3,603/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,428/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,988
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,650
−HK$1,687/mo
Today · 4.125%
HK$65,337
baseline
▲ 0.50% · 4.625%
HK$68,781
+HK$3,444/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,674/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,864
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,943
−HK$2,114/mo
Today · 4.125%
HK$71,057
baseline
▲ 0.50% · 4.625%
HK$75,380
+HK$4,323/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$142,114/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,385
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,380
−HK$2,024/mo
Today · 4.125%
HK$78,404
baseline
▲ 0.50% · 4.625%
HK$82,537
+HK$4,133/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$156,808/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,008
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,434
−HK$2,465/mo
Today · 4.125%
HK$82,899
baseline
▲ 0.50% · 4.625%
HK$87,943
+HK$5,044/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,798/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,783
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$89,110
−HK$2,361/mo
Today · 4.125%
HK$91,471
baseline
▲ 0.50% · 4.625%
HK$96,293
+HK$4,822/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,942/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,295
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$103,415
−HK$3,170/mo
Today · 4.125%
HK$106,585
baseline
▲ 0.50% · 4.625%
HK$113,070
+HK$6,485/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$213,170/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,578
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$114,570
−HK$3,036/mo
Today · 4.125%
HK$117,606
baseline
▲ 0.50% · 4.625%
HK$123,805
+HK$6,199/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$235,212/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,518 · Scale 2, in force from 26 Feb 2026)