LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,325
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,045
−HK$1,749/mo
Today · 4.125%
HK$58,794
baseline
▲ 0.50% · 4.625%
HK$62,371
+HK$3,577/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,588/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,548
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,199
−HK$1,674/mo
Today · 4.125%
HK$64,873
baseline
▲ 0.50% · 4.625%
HK$68,293
+HK$3,420/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,746/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,389
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,455
−HK$2,098/mo
Today · 4.125%
HK$70,553
baseline
▲ 0.50% · 4.625%
HK$74,846
+HK$4,293/mo
Deposit HK$9.70M · loan HK$14.56M · min. income ≈ HK$141,106/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,858
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,838
−HK$2,010/mo
Today · 4.125%
HK$77,848
baseline
▲ 0.50% · 4.625%
HK$81,951
+HK$4,103/mo
Deposit HK$9.70M · loan HK$14.56M · min. income ≈ HK$155,696/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,454
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,864
−HK$2,447/mo
Today · 4.125%
HK$82,311
baseline
▲ 0.50% · 4.625%
HK$87,320
+HK$5,009/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,622/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,167
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,478
−HK$2,345/mo
Today · 4.125%
HK$90,823
baseline
▲ 0.50% · 4.625%
HK$95,610
+HK$4,787/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,646/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,584
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$102,682
−HK$3,147/mo
Today · 4.125%
HK$105,829
baseline
▲ 0.50% · 4.625%
HK$112,268
+HK$6,439/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,658/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,786
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,758
−HK$3,014/mo
Today · 4.125%
HK$116,772
baseline
▲ 0.50% · 4.625%
HK$122,927
+HK$6,155/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,544/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,154 · Scale 2, in force from 26 Feb 2026)