LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,221
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,939
−HK$1,745/mo
Today · 4.125%
HK$58,684
baseline
▲ 0.50% · 4.625%
HK$62,255
+HK$3,571/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,368/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,433
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,080
−HK$1,672/mo
Today · 4.125%
HK$64,752
baseline
▲ 0.50% · 4.625%
HK$68,165
+HK$3,413/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,504/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,265
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,326
−HK$2,095/mo
Today · 4.125%
HK$70,421
baseline
▲ 0.50% · 4.625%
HK$74,706
+HK$4,285/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$140,842/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,719
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,696
−HK$2,006/mo
Today · 4.125%
HK$77,702
baseline
▲ 0.50% · 4.625%
HK$81,798
+HK$4,096/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,404/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,309
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,714
−HK$2,443/mo
Today · 4.125%
HK$82,157
baseline
▲ 0.50% · 4.625%
HK$87,156
+HK$4,999/mo
Deposit HK$7.27M · loan HK$16.95M · min. income ≈ HK$164,314/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,006
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,313
−HK$2,340/mo
Today · 4.125%
HK$90,653
baseline
▲ 0.50% · 4.625%
HK$95,431
+HK$4,778/mo
Deposit HK$7.27M · loan HK$16.95M · min. income ≈ HK$181,306/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,398
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$102,490
−HK$3,141/mo
Today · 4.125%
HK$105,631
baseline
▲ 0.50% · 4.625%
HK$112,058
+HK$6,427/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$211,262/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,579
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$113,545
−HK$3,008/mo
Today · 4.125%
HK$116,553
baseline
▲ 0.50% · 4.625%
HK$122,697
+HK$6,144/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$233,106/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,223 · Scale 2, in force from 26 Feb 2026)