LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,247
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,965
−HK$1,746/mo
Today · 4.125%
HK$58,711
baseline
▲ 0.50% · 4.625%
HK$62,283
+HK$3,572/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,422/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,461
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,110
−HK$1,672/mo
Today · 4.125%
HK$64,782
baseline
▲ 0.50% · 4.625%
HK$68,197
+HK$3,415/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,564/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,296
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,358
−HK$2,095/mo
Today · 4.125%
HK$70,453
baseline
▲ 0.50% · 4.625%
HK$74,740
+HK$4,287/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,906/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,754
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,732
−HK$2,006/mo
Today · 4.125%
HK$77,738
baseline
▲ 0.50% · 4.625%
HK$81,836
+HK$4,098/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,476/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,345
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,751
−HK$2,444/mo
Today · 4.125%
HK$82,195
baseline
▲ 0.50% · 4.625%
HK$87,197
+HK$5,002/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,390/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,046
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,353
−HK$2,342/mo
Today · 4.125%
HK$90,695
baseline
▲ 0.50% · 4.625%
HK$95,475
+HK$4,780/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,390/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,444
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$102,537
−HK$3,143/mo
Today · 4.125%
HK$105,680
baseline
▲ 0.50% · 4.625%
HK$112,110
+HK$6,430/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$211,360/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,630
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$113,597
−HK$3,010/mo
Today · 4.125%
HK$116,607
baseline
▲ 0.50% · 4.625%
HK$122,754
+HK$6,147/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$233,214/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,701 · Scale 2, in force from 26 Feb 2026)