LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,328
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,049
−HK$1,748/mo
Today · 4.125%
HK$58,797
baseline
▲ 0.50% · 4.625%
HK$62,375
+HK$3,578/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,594/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,552
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,202
−HK$1,675/mo
Today · 4.125%
HK$64,877
baseline
▲ 0.50% · 4.625%
HK$68,297
+HK$3,420/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,754/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,393
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,459
−HK$2,098/mo
Today · 4.125%
HK$70,557
baseline
▲ 0.50% · 4.625%
HK$74,850
+HK$4,293/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,114/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,862
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,843
−HK$2,010/mo
Today · 4.125%
HK$77,853
baseline
▲ 0.50% · 4.625%
HK$81,956
+HK$4,103/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,706/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,459
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,868
−HK$2,448/mo
Today · 4.125%
HK$82,316
baseline
▲ 0.50% · 4.625%
HK$87,325
+HK$5,009/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,632/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,172
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,483
−HK$2,345/mo
Today · 4.125%
HK$90,828
baseline
▲ 0.50% · 4.625%
HK$95,616
+HK$4,788/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,656/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,590
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$102,688
−HK$3,147/mo
Today · 4.125%
HK$105,835
baseline
▲ 0.50% · 4.625%
HK$112,275
+HK$6,440/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,670/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,793
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,764
−HK$3,015/mo
Today · 4.125%
HK$116,779
baseline
▲ 0.50% · 4.625%
HK$122,934
+HK$6,155/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,558/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,215 · Scale 2, in force from 26 Feb 2026)