LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,230
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,948
−HK$1,746/mo
Today · 4.125%
HK$58,694
baseline
▲ 0.50% · 4.625%
HK$62,265
+HK$3,571/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,388/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,443
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,091
−HK$1,672/mo
Today · 4.125%
HK$64,763
baseline
▲ 0.50% · 4.625%
HK$68,176
+HK$3,413/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,526/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,276
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,338
−HK$2,094/mo
Today · 4.125%
HK$70,432
baseline
▲ 0.50% · 4.625%
HK$74,718
+HK$4,286/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$140,864/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,732
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,709
−HK$2,006/mo
Today · 4.125%
HK$77,715
baseline
▲ 0.50% · 4.625%
HK$81,812
+HK$4,097/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,430/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,322
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,727
−HK$2,444/mo
Today · 4.125%
HK$82,171
baseline
▲ 0.50% · 4.625%
HK$87,171
+HK$5,000/mo
Deposit HK$7.27M · loan HK$16.95M · min. income ≈ HK$164,342/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,020
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$88,327
−HK$2,341/mo
Today · 4.125%
HK$90,668
baseline
▲ 0.50% · 4.625%
HK$95,447
+HK$4,779/mo
Deposit HK$7.27M · loan HK$16.95M · min. income ≈ HK$181,336/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,414
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$102,507
−HK$3,141/mo
Today · 4.125%
HK$105,648
baseline
▲ 0.50% · 4.625%
HK$112,077
+HK$6,429/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$211,296/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,597
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$113,564
−HK$3,009/mo
Today · 4.125%
HK$116,573
baseline
▲ 0.50% · 4.625%
HK$122,717
+HK$6,144/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$233,146/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,394 · Scale 2, in force from 26 Feb 2026)