LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,336
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,057
−HK$1,749/mo
Today · 4.125%
HK$58,806
baseline
▲ 0.50% · 4.625%
HK$62,384
+HK$3,578/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,612/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,561
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,212
−HK$1,675/mo
Today · 4.125%
HK$64,887
baseline
▲ 0.50% · 4.625%
HK$68,307
+HK$3,420/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,774/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,403
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,469
−HK$2,099/mo
Today · 4.125%
HK$70,568
baseline
▲ 0.50% · 4.625%
HK$74,861
+HK$4,293/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,136/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,873
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,854
−HK$2,010/mo
Today · 4.125%
HK$77,864
baseline
▲ 0.50% · 4.625%
HK$81,969
+HK$4,105/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,728/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,471
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,880
−HK$2,449/mo
Today · 4.125%
HK$82,329
baseline
▲ 0.50% · 4.625%
HK$87,338
+HK$5,009/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,658/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,185
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$88,497
−HK$2,345/mo
Today · 4.125%
HK$90,842
baseline
▲ 0.50% · 4.625%
HK$95,630
+HK$4,788/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,684/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,605
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,703
−HK$3,148/mo
Today · 4.125%
HK$105,851
baseline
▲ 0.50% · 4.625%
HK$112,292
+HK$6,441/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,702/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,810
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,782
−HK$3,014/mo
Today · 4.125%
HK$116,796
baseline
▲ 0.50% · 4.625%
HK$122,953
+HK$6,157/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,592/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,371 · Scale 2, in force from 26 Feb 2026)