LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,233
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,951
−HK$1,745/mo
Today · 4.125%
HK$58,696
baseline
▲ 0.50% · 4.625%
HK$62,268
+HK$3,572/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,392/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,446
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,094
−HK$1,672/mo
Today · 4.125%
HK$64,766
baseline
▲ 0.50% · 4.625%
HK$68,179
+HK$3,413/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,532/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,279
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,341
−HK$2,095/mo
Today · 4.125%
HK$70,436
baseline
▲ 0.50% · 4.625%
HK$74,721
+HK$4,285/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$140,872/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,735
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,713
−HK$2,006/mo
Today · 4.125%
HK$77,719
baseline
▲ 0.50% · 4.625%
HK$81,815
+HK$4,096/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,438/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,326
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,731
−HK$2,444/mo
Today · 4.125%
HK$82,175
baseline
▲ 0.50% · 4.625%
HK$87,175
+HK$5,000/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,350/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,024
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$88,331
−HK$2,341/mo
Today · 4.125%
HK$90,672
baseline
▲ 0.50% · 4.625%
HK$95,451
+HK$4,779/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,344/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,419
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$102,511
−HK$3,142/mo
Today · 4.125%
HK$105,653
baseline
▲ 0.50% · 4.625%
HK$112,082
+HK$6,429/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$211,306/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,603
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$113,569
−HK$3,009/mo
Today · 4.125%
HK$116,578
baseline
▲ 0.50% · 4.625%
HK$122,723
+HK$6,145/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$233,156/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,442 · Scale 2, in force from 26 Feb 2026)