LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,234
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,952
−HK$1,745/mo
Today · 4.125%
HK$58,697
baseline
▲ 0.50% · 4.625%
HK$62,269
+HK$3,572/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,394/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,447
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,095
−HK$1,672/mo
Today · 4.125%
HK$64,767
baseline
▲ 0.50% · 4.625%
HK$68,181
+HK$3,414/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,534/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,280
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,342
−HK$2,095/mo
Today · 4.125%
HK$70,437
baseline
▲ 0.50% · 4.625%
HK$74,723
+HK$4,286/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$140,874/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,736
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,714
−HK$2,006/mo
Today · 4.125%
HK$77,720
baseline
▲ 0.50% · 4.625%
HK$81,817
+HK$4,097/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,440/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,327
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,733
−HK$2,443/mo
Today · 4.125%
HK$82,176
baseline
▲ 0.50% · 4.625%
HK$87,177
+HK$5,001/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,352/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,026
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,333
−HK$2,340/mo
Today · 4.125%
HK$90,673
baseline
▲ 0.50% · 4.625%
HK$95,453
+HK$4,780/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,346/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,421
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$102,513
−HK$3,142/mo
Today · 4.125%
HK$105,655
baseline
▲ 0.50% · 4.625%
HK$112,084
+HK$6,429/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$211,310/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,605
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$113,571
−HK$3,009/mo
Today · 4.125%
HK$116,580
baseline
▲ 0.50% · 4.625%
HK$122,725
+HK$6,145/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$233,160/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,461 · Scale 2, in force from 26 Feb 2026)