LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,733
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,466
−HK$1,762/mo
Today · 4.125%
HK$59,228
baseline
▲ 0.50% · 4.625%
HK$62,832
+HK$3,604/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,456/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,002
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,665
−HK$1,687/mo
Today · 4.125%
HK$65,352
baseline
▲ 0.50% · 4.625%
HK$68,797
+HK$3,445/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,704/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,879
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,960
−HK$2,113/mo
Today · 4.125%
HK$71,073
baseline
▲ 0.50% · 4.625%
HK$75,398
+HK$4,325/mo
Deposit HK$9.78M · loan HK$14.66M · min. income ≈ HK$142,146/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,038,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,403
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,398
−HK$2,024/mo
Today · 4.125%
HK$78,422
baseline
▲ 0.50% · 4.625%
HK$82,556
+HK$4,134/mo
Deposit HK$9.78M · loan HK$14.66M · min. income ≈ HK$156,844/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,038,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,026
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$80,453
−HK$2,466/mo
Today · 4.125%
HK$82,919
baseline
▲ 0.50% · 4.625%
HK$87,964
+HK$5,045/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,838/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,803
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$89,131
−HK$2,362/mo
Today · 4.125%
HK$91,493
baseline
▲ 0.50% · 4.625%
HK$96,316
+HK$4,823/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$182,986/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,319
−HK$6,291/mo
▼ 0.25% · 3.875%
HK$103,440
−HK$3,170/mo
Today · 4.125%
HK$106,610
baseline
▲ 0.50% · 4.625%
HK$113,097
+HK$6,487/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$213,220/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,604
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$114,597
−HK$3,037/mo
Today · 4.125%
HK$117,634
baseline
▲ 0.50% · 4.625%
HK$123,834
+HK$6,200/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$235,268/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,764 · Scale 2, in force from 26 Feb 2026)