LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,746
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,480
−HK$1,761/mo
Today · 4.125%
HK$59,241
baseline
▲ 0.50% · 4.625%
HK$62,846
+HK$3,605/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,482/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,039,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,016
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,680
−HK$1,687/mo
Today · 4.125%
HK$65,367
baseline
▲ 0.50% · 4.625%
HK$68,813
+HK$3,446/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,734/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,039,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,895
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,975
−HK$2,115/mo
Today · 4.125%
HK$71,090
baseline
▲ 0.50% · 4.625%
HK$75,415
+HK$4,325/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,180/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,420
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,416
−HK$2,024/mo
Today · 4.125%
HK$78,440
baseline
▲ 0.50% · 4.625%
HK$82,575
+HK$4,135/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,880/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,044
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,471
−HK$2,467/mo
Today · 4.125%
HK$82,938
baseline
▲ 0.50% · 4.625%
HK$87,984
+HK$5,046/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,876/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,039,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,823
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,151
−HK$2,363/mo
Today · 4.125%
HK$91,514
baseline
▲ 0.50% · 4.625%
HK$96,338
+HK$4,824/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$183,028/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,039,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,342
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$103,463
−HK$3,171/mo
Today · 4.125%
HK$106,634
baseline
▲ 0.50% · 4.625%
HK$113,123
+HK$6,489/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$213,268/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,629
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$114,623
−HK$3,037/mo
Today · 4.125%
HK$117,660
baseline
▲ 0.50% · 4.625%
HK$123,863
+HK$6,203/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$235,320/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,001 · Scale 2, in force from 26 Feb 2026)