LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,335
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,056
−HK$1,749/mo
Today · 4.125%
HK$58,805
baseline
▲ 0.50% · 4.625%
HK$62,383
+HK$3,578/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,610/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,560
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,211
−HK$1,675/mo
Today · 4.125%
HK$64,886
baseline
▲ 0.50% · 4.625%
HK$68,306
+HK$3,420/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,772/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,402
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,468
−HK$2,098/mo
Today · 4.125%
HK$70,566
baseline
▲ 0.50% · 4.625%
HK$74,860
+HK$4,294/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,132/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,872
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,853
−HK$2,010/mo
Today · 4.125%
HK$77,863
baseline
▲ 0.50% · 4.625%
HK$81,967
+HK$4,104/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,726/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,469
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,879
−HK$2,448/mo
Today · 4.125%
HK$82,327
baseline
▲ 0.50% · 4.625%
HK$87,337
+HK$5,010/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,654/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,184
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,495
−HK$2,345/mo
Today · 4.125%
HK$90,840
baseline
▲ 0.50% · 4.625%
HK$95,628
+HK$4,788/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,680/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,603
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,702
−HK$3,147/mo
Today · 4.125%
HK$105,849
baseline
▲ 0.50% · 4.625%
HK$112,290
+HK$6,441/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,698/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,808
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,779
−HK$3,015/mo
Today · 4.125%
HK$116,794
baseline
▲ 0.50% · 4.625%
HK$122,951
+HK$6,157/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,588/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,351 · Scale 2, in force from 26 Feb 2026)