LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,322
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,043
−HK$1,748/mo
Today · 4.125%
HK$58,791
baseline
▲ 0.50% · 4.625%
HK$62,368
+HK$3,577/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,582/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,545
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,196
−HK$1,674/mo
Today · 4.125%
HK$64,870
baseline
▲ 0.50% · 4.625%
HK$68,290
+HK$3,420/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,740/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,386
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,451
−HK$2,098/mo
Today · 4.125%
HK$70,549
baseline
▲ 0.50% · 4.625%
HK$74,842
+HK$4,293/mo
Deposit HK$9.70M · loan HK$14.56M · min. income ≈ HK$141,098/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,854
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,835
−HK$2,009/mo
Today · 4.125%
HK$77,844
baseline
▲ 0.50% · 4.625%
HK$81,948
+HK$4,104/mo
Deposit HK$9.70M · loan HK$14.56M · min. income ≈ HK$155,688/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,451
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,860
−HK$2,448/mo
Today · 4.125%
HK$82,308
baseline
▲ 0.50% · 4.625%
HK$87,316
+HK$5,008/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,616/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,163
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,474
−HK$2,344/mo
Today · 4.125%
HK$90,818
baseline
▲ 0.50% · 4.625%
HK$95,606
+HK$4,788/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,636/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,580
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$102,677
−HK$3,147/mo
Today · 4.125%
HK$105,824
baseline
▲ 0.50% · 4.625%
HK$112,263
+HK$6,439/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,648/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,781
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,752
−HK$3,015/mo
Today · 4.125%
HK$116,767
baseline
▲ 0.50% · 4.625%
HK$122,921
+HK$6,154/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,534/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,106 · Scale 2, in force from 26 Feb 2026)