LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,312
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,032
−HK$1,748/mo
Today · 4.125%
HK$58,780
baseline
▲ 0.50% · 4.625%
HK$62,357
+HK$3,577/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,560/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,534
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,184
−HK$1,674/mo
Today · 4.125%
HK$64,858
baseline
▲ 0.50% · 4.625%
HK$68,277
+HK$3,419/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,716/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,374
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,439
−HK$2,097/mo
Today · 4.125%
HK$70,536
baseline
▲ 0.50% · 4.625%
HK$74,828
+HK$4,292/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,072/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,840
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,821
−HK$2,009/mo
Today · 4.125%
HK$77,830
baseline
▲ 0.50% · 4.625%
HK$81,932
+HK$4,102/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,660/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,436
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$79,845
−HK$2,447/mo
Today · 4.125%
HK$82,292
baseline
▲ 0.50% · 4.625%
HK$87,299
+HK$5,007/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,584/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,147
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$88,457
−HK$2,344/mo
Today · 4.125%
HK$90,801
baseline
▲ 0.50% · 4.625%
HK$95,588
+HK$4,787/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,602/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,561
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$102,658
−HK$3,146/mo
Today · 4.125%
HK$105,804
baseline
▲ 0.50% · 4.625%
HK$112,242
+HK$6,438/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$211,608/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,761
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$113,731
−HK$3,014/mo
Today · 4.125%
HK$116,745
baseline
▲ 0.50% · 4.625%
HK$122,898
+HK$6,153/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$233,490/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,912 · Scale 2, in force from 26 Feb 2026)