LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,320
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,041
−HK$1,748/mo
Today · 4.125%
HK$58,789
baseline
▲ 0.50% · 4.625%
HK$62,366
+HK$3,577/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,578/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,543
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,194
−HK$1,674/mo
Today · 4.125%
HK$64,868
baseline
▲ 0.50% · 4.625%
HK$68,287
+HK$3,419/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,736/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,384
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,449
−HK$2,098/mo
Today · 4.125%
HK$70,547
baseline
▲ 0.50% · 4.625%
HK$74,840
+HK$4,293/mo
Deposit HK$9.70M · loan HK$14.56M · min. income ≈ HK$141,094/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,852
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,832
−HK$2,010/mo
Today · 4.125%
HK$77,842
baseline
▲ 0.50% · 4.625%
HK$81,945
+HK$4,103/mo
Deposit HK$9.70M · loan HK$14.56M · min. income ≈ HK$155,684/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,448
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,857
−HK$2,448/mo
Today · 4.125%
HK$82,305
baseline
▲ 0.50% · 4.625%
HK$87,313
+HK$5,008/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,610/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,160
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,471
−HK$2,344/mo
Today · 4.125%
HK$90,815
baseline
▲ 0.50% · 4.625%
HK$95,602
+HK$4,787/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,630/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,576
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$102,673
−HK$3,147/mo
Today · 4.125%
HK$105,820
baseline
▲ 0.50% · 4.625%
HK$112,259
+HK$6,439/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$211,640/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,777
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$113,748
−HK$3,014/mo
Today · 4.125%
HK$116,762
baseline
▲ 0.50% · 4.625%
HK$122,917
+HK$6,155/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$233,524/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,070 · Scale 2, in force from 26 Feb 2026)