LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,740
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,474
−HK$1,761/mo
Today · 4.125%
HK$59,235
baseline
▲ 0.50% · 4.625%
HK$62,840
+HK$3,605/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,470/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,010
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,673
−HK$1,687/mo
Today · 4.125%
HK$65,360
baseline
▲ 0.50% · 4.625%
HK$68,805
+HK$3,445/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,720/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,888
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,968
−HK$2,114/mo
Today · 4.125%
HK$71,082
baseline
▲ 0.50% · 4.625%
HK$75,407
+HK$4,325/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,164/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,038,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,412
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,408
−HK$2,024/mo
Today · 4.125%
HK$78,432
baseline
▲ 0.50% · 4.625%
HK$82,567
+HK$4,135/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,864/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,038,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,036
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$80,463
−HK$2,466/mo
Today · 4.125%
HK$82,929
baseline
▲ 0.50% · 4.625%
HK$87,975
+HK$5,046/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,858/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,814
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$89,142
−HK$2,362/mo
Today · 4.125%
HK$91,504
baseline
▲ 0.50% · 4.625%
HK$96,328
+HK$4,824/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$183,008/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,332
−HK$6,291/mo
▼ 0.25% · 3.875%
HK$103,453
−HK$3,170/mo
Today · 4.125%
HK$106,623
baseline
▲ 0.50% · 4.625%
HK$113,111
+HK$6,488/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$213,246/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,618
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$114,612
−HK$3,036/mo
Today · 4.125%
HK$117,648
baseline
▲ 0.50% · 4.625%
HK$123,850
+HK$6,202/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$235,296/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,894 · Scale 2, in force from 26 Feb 2026)