LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,308
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,028
−HK$1,748/mo
Today · 4.125%
HK$58,776
baseline
▲ 0.50% · 4.625%
HK$62,352
+HK$3,576/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,552/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,529
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,180
−HK$1,674/mo
Today · 4.125%
HK$64,854
baseline
▲ 0.50% · 4.625%
HK$68,272
+HK$3,418/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,708/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,369
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,434
−HK$2,097/mo
Today · 4.125%
HK$70,531
baseline
▲ 0.50% · 4.625%
HK$74,823
+HK$4,292/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,062/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,835
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,815
−HK$2,009/mo
Today · 4.125%
HK$77,824
baseline
▲ 0.50% · 4.625%
HK$81,926
+HK$4,102/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,648/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,431
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,839
−HK$2,447/mo
Today · 4.125%
HK$82,286
baseline
▲ 0.50% · 4.625%
HK$87,293
+HK$5,007/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,572/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,141
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$88,451
−HK$2,344/mo
Today · 4.125%
HK$90,795
baseline
▲ 0.50% · 4.625%
HK$95,581
+HK$4,786/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,590/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,554
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$102,651
−HK$3,146/mo
Today · 4.125%
HK$105,797
baseline
▲ 0.50% · 4.625%
HK$112,234
+HK$6,437/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$211,594/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,753
−HK$5,983/mo
▼ 0.25% · 3.875%
HK$113,723
−HK$3,013/mo
Today · 4.125%
HK$116,736
baseline
▲ 0.50% · 4.625%
HK$122,890
+HK$6,154/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$233,472/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,840 · Scale 2, in force from 26 Feb 2026)