LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,305
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,026
−HK$1,748/mo
Today · 4.125%
HK$58,774
baseline
▲ 0.50% · 4.625%
HK$62,350
+HK$3,576/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,548/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,527
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,177
−HK$1,674/mo
Today · 4.125%
HK$64,851
baseline
▲ 0.50% · 4.625%
HK$68,269
+HK$3,418/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,702/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,366
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,431
−HK$2,097/mo
Today · 4.125%
HK$70,528
baseline
▲ 0.50% · 4.625%
HK$74,820
+HK$4,292/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,056/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,832
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,812
−HK$2,009/mo
Today · 4.125%
HK$77,821
baseline
▲ 0.50% · 4.625%
HK$81,923
+HK$4,102/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,642/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,428
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,836
−HK$2,447/mo
Today · 4.125%
HK$82,283
baseline
▲ 0.50% · 4.625%
HK$87,290
+HK$5,007/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,566/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,137
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$88,448
−HK$2,343/mo
Today · 4.125%
HK$90,791
baseline
▲ 0.50% · 4.625%
HK$95,577
+HK$4,786/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,582/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,550
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$102,646
−HK$3,146/mo
Today · 4.125%
HK$105,792
baseline
▲ 0.50% · 4.625%
HK$112,230
+HK$6,438/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$211,584/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,748
−HK$5,983/mo
▼ 0.25% · 3.875%
HK$113,718
−HK$3,013/mo
Today · 4.125%
HK$116,731
baseline
▲ 0.50% · 4.625%
HK$122,884
+HK$6,153/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$233,462/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,796 · Scale 2, in force from 26 Feb 2026)