LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,308
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,029
−HK$1,747/mo
Today · 4.125%
HK$58,776
baseline
▲ 0.50% · 4.625%
HK$62,353
+HK$3,577/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$1,030,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,530
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,180
−HK$1,674/mo
Today · 4.125%
HK$64,854
baseline
▲ 0.50% · 4.625%
HK$68,273
+HK$3,419/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$1,030,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,370
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,434
−HK$2,098/mo
Today · 4.125%
HK$70,532
baseline
▲ 0.50% · 4.625%
HK$74,823
+HK$4,291/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,064/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,836
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,816
−HK$2,009/mo
Today · 4.125%
HK$77,825
baseline
▲ 0.50% · 4.625%
HK$81,927
+HK$4,102/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,650/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,431
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$79,840
−HK$2,447/mo
Today · 4.125%
HK$82,287
baseline
▲ 0.50% · 4.625%
HK$87,294
+HK$5,007/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,574/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,142
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$88,452
−HK$2,344/mo
Today · 4.125%
HK$90,796
baseline
▲ 0.50% · 4.625%
HK$95,582
+HK$4,786/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,592/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,555
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$102,651
−HK$3,147/mo
Today · 4.125%
HK$105,798
baseline
▲ 0.50% · 4.625%
HK$112,235
+HK$6,437/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$211,596/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,754
−HK$5,983/mo
▼ 0.25% · 3.875%
HK$113,724
−HK$3,013/mo
Today · 4.125%
HK$116,737
baseline
▲ 0.50% · 4.625%
HK$122,891
+HK$6,154/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$233,474/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,848 · Scale 2, in force from 26 Feb 2026)