LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,214
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,931
−HK$1,745/mo
Today · 4.125%
HK$58,676
baseline
▲ 0.50% · 4.625%
HK$62,246
+HK$3,570/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,352/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,425
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,072
−HK$1,671/mo
Today · 4.125%
HK$64,743
baseline
▲ 0.50% · 4.625%
HK$68,156
+HK$3,413/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,486/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,256
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,317
−HK$2,094/mo
Today · 4.125%
HK$70,411
baseline
▲ 0.50% · 4.625%
HK$74,695
+HK$4,284/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$140,822/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,029,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,709
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,686
−HK$2,006/mo
Today · 4.125%
HK$77,692
baseline
▲ 0.50% · 4.625%
HK$81,787
+HK$4,095/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,384/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,029,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,299
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,703
−HK$2,443/mo
Today · 4.125%
HK$82,146
baseline
▲ 0.50% · 4.625%
HK$87,145
+HK$4,999/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$164,292/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,994
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,301
−HK$2,339/mo
Today · 4.125%
HK$90,640
baseline
▲ 0.50% · 4.625%
HK$95,418
+HK$4,778/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$181,280/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,384
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$102,476
−HK$3,141/mo
Today · 4.125%
HK$105,617
baseline
▲ 0.50% · 4.625%
HK$112,043
+HK$6,426/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,234/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,564
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$113,529
−HK$3,009/mo
Today · 4.125%
HK$116,538
baseline
▲ 0.50% · 4.625%
HK$122,680
+HK$6,142/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,076/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,084 · Scale 2, in force from 26 Feb 2026)