LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,751
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,486
−HK$1,762/mo
Today · 4.125%
HK$59,248
baseline
▲ 0.50% · 4.625%
HK$62,853
+HK$3,605/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,496/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,039,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,023
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,686
−HK$1,688/mo
Today · 4.125%
HK$65,374
baseline
▲ 0.50% · 4.625%
HK$68,820
+HK$3,446/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,748/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,039,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,902
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,983
−HK$2,114/mo
Today · 4.125%
HK$71,097
baseline
▲ 0.50% · 4.625%
HK$75,423
+HK$4,326/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,194/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,427
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,424
−HK$2,025/mo
Today · 4.125%
HK$78,449
baseline
▲ 0.50% · 4.625%
HK$82,584
+HK$4,135/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,898/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,052
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,480
−HK$2,467/mo
Today · 4.125%
HK$82,947
baseline
▲ 0.50% · 4.625%
HK$87,994
+HK$5,047/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,894/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,039,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,832
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,161
−HK$2,362/mo
Today · 4.125%
HK$91,523
baseline
▲ 0.50% · 4.625%
HK$96,348
+HK$4,825/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$183,046/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,039,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,353
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$103,474
−HK$3,172/mo
Today · 4.125%
HK$106,646
baseline
▲ 0.50% · 4.625%
HK$113,135
+HK$6,489/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$213,292/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,641
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$114,635
−HK$3,038/mo
Today · 4.125%
HK$117,673
baseline
▲ 0.50% · 4.625%
HK$123,876
+HK$6,203/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$235,346/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,110 · Scale 2, in force from 26 Feb 2026)