LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,225
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,943
−HK$1,745/mo
Today · 4.125%
HK$58,688
baseline
▲ 0.50% · 4.625%
HK$62,259
+HK$3,571/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,376/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,437
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,085
−HK$1,671/mo
Today · 4.125%
HK$64,756
baseline
▲ 0.50% · 4.625%
HK$68,170
+HK$3,414/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,512/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,270
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,331
−HK$2,094/mo
Today · 4.125%
HK$70,425
baseline
▲ 0.50% · 4.625%
HK$74,711
+HK$4,286/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$140,850/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,724
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,702
−HK$2,005/mo
Today · 4.125%
HK$77,707
baseline
▲ 0.50% · 4.625%
HK$81,803
+HK$4,096/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,414/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,315
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,720
−HK$2,443/mo
Today · 4.125%
HK$82,163
baseline
▲ 0.50% · 4.625%
HK$87,162
+HK$4,999/mo
Deposit HK$7.27M · loan HK$16.95M · min. income ≈ HK$164,326/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,012
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,318
−HK$2,341/mo
Today · 4.125%
HK$90,659
baseline
▲ 0.50% · 4.625%
HK$95,437
+HK$4,778/mo
Deposit HK$7.27M · loan HK$16.95M · min. income ≈ HK$181,318/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,404
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$102,497
−HK$3,141/mo
Today · 4.125%
HK$105,638
baseline
▲ 0.50% · 4.625%
HK$112,066
+HK$6,428/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$211,276/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,586
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$113,552
−HK$3,009/mo
Today · 4.125%
HK$116,561
baseline
▲ 0.50% · 4.625%
HK$122,705
+HK$6,144/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$233,122/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,292 · Scale 2, in force from 26 Feb 2026)