LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,321
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,041
−HK$1,749/mo
Today · 4.125%
HK$58,790
baseline
▲ 0.50% · 4.625%
HK$62,367
+HK$3,577/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,580/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,544
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,194
−HK$1,675/mo
Today · 4.125%
HK$64,869
baseline
▲ 0.50% · 4.625%
HK$68,288
+HK$3,419/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,738/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,385
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,450
−HK$2,098/mo
Today · 4.125%
HK$70,548
baseline
▲ 0.50% · 4.625%
HK$74,840
+HK$4,292/mo
Deposit HK$9.70M · loan HK$14.56M · min. income ≈ HK$141,096/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,852
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,833
−HK$2,009/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$1,031,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,449
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$79,858
−HK$2,447/mo
Today · 4.125%
HK$82,305
baseline
▲ 0.50% · 4.625%
HK$87,314
+HK$5,009/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$1,031,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,161
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,472
−HK$2,344/mo
Today · 4.125%
HK$90,816
baseline
▲ 0.50% · 4.625%
HK$95,603
+HK$4,787/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,632/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,577
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$102,674
−HK$3,147/mo
Today · 4.125%
HK$105,821
baseline
▲ 0.50% · 4.625%
HK$112,260
+HK$6,439/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$211,642/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,778
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$113,749
−HK$3,014/mo
Today · 4.125%
HK$116,763
baseline
▲ 0.50% · 4.625%
HK$122,918
+HK$6,155/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$233,526/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,078 · Scale 2, in force from 26 Feb 2026)