LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,727
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,461
−HK$1,761/mo
Today · 4.125%
HK$59,222
baseline
▲ 0.50% · 4.625%
HK$62,826
+HK$3,604/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,444/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,996
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,659
−HK$1,687/mo
Today · 4.125%
HK$65,346
baseline
▲ 0.50% · 4.625%
HK$68,790
+HK$3,444/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,692/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,873
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,953
−HK$2,114/mo
Today · 4.125%
HK$71,067
baseline
▲ 0.50% · 4.625%
HK$75,391
+HK$4,324/mo
Deposit HK$9.78M · loan HK$14.66M · min. income ≈ HK$142,134/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,396
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,391
−HK$2,024/mo
Today · 4.125%
HK$78,415
baseline
▲ 0.50% · 4.625%
HK$82,548
+HK$4,133/mo
Deposit HK$9.78M · loan HK$14.66M · min. income ≈ HK$156,830/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,018
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$80,445
−HK$2,466/mo
Today · 4.125%
HK$82,911
baseline
▲ 0.50% · 4.625%
HK$87,956
+HK$5,045/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,822/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,795
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,123
−HK$2,361/mo
Today · 4.125%
HK$91,484
baseline
▲ 0.50% · 4.625%
HK$96,306
+HK$4,822/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$182,968/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,309
−HK$6,291/mo
▼ 0.25% · 3.875%
HK$103,430
−HK$3,170/mo
Today · 4.125%
HK$106,600
baseline
▲ 0.50% · 4.625%
HK$113,086
+HK$6,486/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$213,200/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,593
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$114,586
−HK$3,036/mo
Today · 4.125%
HK$117,622
baseline
▲ 0.50% · 4.625%
HK$123,822
+HK$6,200/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$235,244/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,663 · Scale 2, in force from 26 Feb 2026)