LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,735
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,469
−HK$1,762/mo
Today · 4.125%
HK$59,231
baseline
▲ 0.50% · 4.625%
HK$62,835
+HK$3,604/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,462/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,005
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,668
−HK$1,687/mo
Today · 4.125%
HK$65,355
baseline
▲ 0.50% · 4.625%
HK$68,800
+HK$3,445/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,710/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,883
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,963
−HK$2,114/mo
Today · 4.125%
HK$71,077
baseline
▲ 0.50% · 4.625%
HK$75,402
+HK$4,325/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,154/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,038,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,406
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,402
−HK$2,024/mo
Today · 4.125%
HK$78,426
baseline
▲ 0.50% · 4.625%
HK$82,560
+HK$4,134/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,852/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,038,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,030
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$80,457
−HK$2,466/mo
Today · 4.125%
HK$82,923
baseline
▲ 0.50% · 4.625%
HK$87,968
+HK$5,045/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,846/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,807
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$89,135
−HK$2,362/mo
Today · 4.125%
HK$91,497
baseline
▲ 0.50% · 4.625%
HK$96,320
+HK$4,823/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$182,994/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,324
−HK$6,291/mo
▼ 0.25% · 3.875%
HK$103,444
−HK$3,171/mo
Today · 4.125%
HK$106,615
baseline
▲ 0.50% · 4.625%
HK$113,102
+HK$6,487/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$213,230/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,609
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$114,603
−HK$3,036/mo
Today · 4.125%
HK$117,639
baseline
▲ 0.50% · 4.625%
HK$123,840
+HK$6,201/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$235,278/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,812 · Scale 2, in force from 26 Feb 2026)