LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,334
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,055
−HK$1,749/mo
Today · 4.125%
HK$58,804
baseline
▲ 0.50% · 4.625%
HK$62,382
+HK$3,578/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,608/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,558
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,209
−HK$1,675/mo
Today · 4.125%
HK$64,884
baseline
▲ 0.50% · 4.625%
HK$68,304
+HK$3,420/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,768/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,401
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,466
−HK$2,098/mo
Today · 4.125%
HK$70,564
baseline
▲ 0.50% · 4.625%
HK$74,858
+HK$4,294/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,128/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,870
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,851
−HK$2,010/mo
Today · 4.125%
HK$77,861
baseline
▲ 0.50% · 4.625%
HK$81,965
+HK$4,104/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,722/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,467
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,877
−HK$2,448/mo
Today · 4.125%
HK$82,325
baseline
▲ 0.50% · 4.625%
HK$87,335
+HK$5,010/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,650/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,182
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,493
−HK$2,345/mo
Today · 4.125%
HK$90,838
baseline
▲ 0.50% · 4.625%
HK$95,626
+HK$4,788/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,676/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,601
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,699
−HK$3,148/mo
Today · 4.125%
HK$105,847
baseline
▲ 0.50% · 4.625%
HK$112,287
+HK$6,440/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,694/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,805
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,777
−HK$3,014/mo
Today · 4.125%
HK$116,791
baseline
▲ 0.50% · 4.625%
HK$122,948
+HK$6,157/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,582/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,326 · Scale 2, in force from 26 Feb 2026)