LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,720
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,454
−HK$1,761/mo
Today · 4.125%
HK$59,215
baseline
▲ 0.50% · 4.625%
HK$62,818
+HK$3,603/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,430/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,988
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,651
−HK$1,686/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$1,038,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,864
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,944
−HK$2,113/mo
Today · 4.125%
HK$71,057
baseline
▲ 0.50% · 4.625%
HK$75,381
+HK$4,324/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$1,038,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,386
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,381
−HK$2,024/mo
Today · 4.125%
HK$78,405
baseline
▲ 0.50% · 4.625%
HK$82,538
+HK$4,133/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$156,810/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,009
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,435
−HK$2,465/mo
Today · 4.125%
HK$82,900
baseline
▲ 0.50% · 4.625%
HK$87,945
+HK$5,045/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,800/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,784
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$89,111
−HK$2,361/mo
Today · 4.125%
HK$91,472
baseline
▲ 0.50% · 4.625%
HK$96,294
+HK$4,822/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$182,944/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,297
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$103,417
−HK$3,169/mo
Today · 4.125%
HK$106,586
baseline
▲ 0.50% · 4.625%
HK$113,072
+HK$6,486/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$213,172/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,579
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$114,572
−HK$3,035/mo
Today · 4.125%
HK$117,607
baseline
▲ 0.50% · 4.625%
HK$123,807
+HK$6,200/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$235,214/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,532 · Scale 2, in force from 26 Feb 2026)