LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,217
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,934
−HK$1,745/mo
Today · 4.125%
HK$58,679
baseline
▲ 0.50% · 4.625%
HK$62,250
+HK$3,571/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$1,029,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,428
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,075
−HK$1,672/mo
Today · 4.125%
HK$64,747
baseline
▲ 0.50% · 4.625%
HK$68,160
+HK$3,413/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,494/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,260
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,321
−HK$2,094/mo
Today · 4.125%
HK$70,415
baseline
▲ 0.50% · 4.625%
HK$74,700
+HK$4,285/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$1,029,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,714
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,691
−HK$2,005/mo
Today · 4.125%
HK$77,696
baseline
▲ 0.50% · 4.625%
HK$81,792
+HK$4,096/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,392/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,303
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,708
−HK$2,443/mo
Today · 4.125%
HK$82,151
baseline
▲ 0.50% · 4.625%
HK$87,150
+HK$4,999/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$164,302/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,999
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,306
−HK$2,339/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$1,029,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,390
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$102,482
−HK$3,141/mo
Today · 4.125%
HK$105,623
baseline
▲ 0.50% · 4.625%
HK$112,050
+HK$6,427/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,246/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,570
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$113,536
−HK$3,008/mo
Today · 4.125%
HK$116,544
baseline
▲ 0.50% · 4.625%
HK$122,687
+HK$6,143/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,088/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,143 · Scale 2, in force from 26 Feb 2026)