LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,725
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,458
−HK$1,761/mo
Today · 4.125%
HK$59,219
baseline
▲ 0.50% · 4.625%
HK$62,822
+HK$3,603/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,438/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,993
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,656
−HK$1,686/mo
Today · 4.125%
HK$65,342
baseline
▲ 0.50% · 4.625%
HK$68,787
+HK$3,445/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,684/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,870
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,950
−HK$2,113/mo
Today · 4.125%
HK$71,063
baseline
▲ 0.50% · 4.625%
HK$75,387
+HK$4,324/mo
Deposit HK$9.78M · loan HK$14.66M · min. income ≈ HK$142,126/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,392
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,387
−HK$2,024/mo
Today · 4.125%
HK$78,411
baseline
▲ 0.50% · 4.625%
HK$82,544
+HK$4,133/mo
Deposit HK$9.78M · loan HK$14.66M · min. income ≈ HK$156,822/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,015
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,441
−HK$2,466/mo
Today · 4.125%
HK$82,907
baseline
▲ 0.50% · 4.625%
HK$87,951
+HK$5,044/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,814/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,790
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,118
−HK$2,361/mo
Today · 4.125%
HK$91,479
baseline
▲ 0.50% · 4.625%
HK$96,301
+HK$4,822/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$182,958/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,304
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$103,425
−HK$3,169/mo
Today · 4.125%
HK$106,594
baseline
▲ 0.50% · 4.625%
HK$113,080
+HK$6,486/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$213,188/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,588
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$114,580
−HK$3,036/mo
Today · 4.125%
HK$117,616
baseline
▲ 0.50% · 4.625%
HK$123,816
+HK$6,200/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$235,232/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,612 · Scale 2, in force from 26 Feb 2026)