LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,216
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,934
−HK$1,745/mo
Today · 4.125%
HK$58,679
baseline
▲ 0.50% · 4.625%
HK$62,249
+HK$3,570/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,358/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,428
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,075
−HK$1,671/mo
Today · 4.125%
HK$64,746
baseline
▲ 0.50% · 4.625%
HK$68,159
+HK$3,413/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,492/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,259
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,321
−HK$2,094/mo
Today · 4.125%
HK$70,415
baseline
▲ 0.50% · 4.625%
HK$74,699
+HK$4,284/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$140,830/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,713
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,690
−HK$2,005/mo
Today · 4.125%
HK$77,695
baseline
▲ 0.50% · 4.625%
HK$81,791
+HK$4,096/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,390/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,303
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,707
−HK$2,443/mo
Today · 4.125%
HK$82,150
baseline
▲ 0.50% · 4.625%
HK$87,149
+HK$4,999/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$164,300/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,999
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,305
−HK$2,340/mo
Today · 4.125%
HK$90,645
baseline
▲ 0.50% · 4.625%
HK$95,423
+HK$4,778/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$181,290/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,389
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$102,481
−HK$3,141/mo
Today · 4.125%
HK$105,622
baseline
▲ 0.50% · 4.625%
HK$112,049
+HK$6,427/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,244/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,570
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$113,535
−HK$3,008/mo
Today · 4.125%
HK$116,543
baseline
▲ 0.50% · 4.625%
HK$122,686
+HK$6,143/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,086/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,135 · Scale 2, in force from 26 Feb 2026)