LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,222
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,940
−HK$1,745/mo
Today · 4.125%
HK$58,685
baseline
▲ 0.50% · 4.625%
HK$62,256
+HK$3,571/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,370/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,434
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,082
−HK$1,671/mo
Today · 4.125%
HK$64,753
baseline
▲ 0.50% · 4.625%
HK$68,167
+HK$3,414/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,506/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,267
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,328
−HK$2,094/mo
Today · 4.125%
HK$70,422
baseline
▲ 0.50% · 4.625%
HK$74,707
+HK$4,285/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$140,844/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,721
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,698
−HK$2,006/mo
Today · 4.125%
HK$77,704
baseline
▲ 0.50% · 4.625%
HK$81,800
+HK$4,096/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,408/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,311
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,716
−HK$2,443/mo
Today · 4.125%
HK$82,159
baseline
▲ 0.50% · 4.625%
HK$87,159
+HK$5,000/mo
Deposit HK$7.27M · loan HK$16.95M · min. income ≈ HK$164,318/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,008
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,315
−HK$2,340/mo
Today · 4.125%
HK$90,655
baseline
▲ 0.50% · 4.625%
HK$95,433
+HK$4,778/mo
Deposit HK$7.27M · loan HK$16.95M · min. income ≈ HK$181,310/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,400
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$102,492
−HK$3,141/mo
Today · 4.125%
HK$105,633
baseline
▲ 0.50% · 4.625%
HK$112,061
+HK$6,428/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$211,266/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,582
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$113,547
−HK$3,009/mo
Today · 4.125%
HK$116,556
baseline
▲ 0.50% · 4.625%
HK$122,700
+HK$6,144/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$233,112/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,248 · Scale 2, in force from 26 Feb 2026)