LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,750
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,484
−HK$1,762/mo
Today · 4.125%
HK$59,246
baseline
▲ 0.50% · 4.625%
HK$62,851
+HK$3,605/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,492/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,039,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,021
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,685
−HK$1,687/mo
Today · 4.125%
HK$65,372
baseline
▲ 0.50% · 4.625%
HK$68,818
+HK$3,446/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,744/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,039,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,900
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,981
−HK$2,114/mo
Today · 4.125%
HK$71,095
baseline
▲ 0.50% · 4.625%
HK$75,421
+HK$4,326/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,190/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,425
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,421
−HK$2,025/mo
Today · 4.125%
HK$78,446
baseline
▲ 0.50% · 4.625%
HK$82,581
+HK$4,135/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,892/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,050
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,478
−HK$2,466/mo
Today · 4.125%
HK$82,944
baseline
▲ 0.50% · 4.625%
HK$87,991
+HK$5,047/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,888/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,039,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,830
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,158
−HK$2,363/mo
Today · 4.125%
HK$91,521
baseline
▲ 0.50% · 4.625%
HK$96,345
+HK$4,824/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$183,042/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,039,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,350
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$103,471
−HK$3,172/mo
Today · 4.125%
HK$106,643
baseline
▲ 0.50% · 4.625%
HK$113,132
+HK$6,489/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$213,286/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,638
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$114,632
−HK$3,038/mo
Today · 4.125%
HK$117,670
baseline
▲ 0.50% · 4.625%
HK$123,872
+HK$6,202/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$235,340/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,081 · Scale 2, in force from 26 Feb 2026)