LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,338
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,059
−HK$1,749/mo
Today · 4.125%
HK$58,808
baseline
▲ 0.50% · 4.625%
HK$62,386
+HK$3,578/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,616/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,563
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,214
−HK$1,675/mo
Today · 4.125%
HK$64,889
baseline
▲ 0.50% · 4.625%
HK$68,309
+HK$3,420/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,778/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,405
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,471
−HK$2,098/mo
Today · 4.125%
HK$70,569
baseline
▲ 0.50% · 4.625%
HK$74,863
+HK$4,294/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,138/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,875
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,856
−HK$2,010/mo
Today · 4.125%
HK$77,866
baseline
▲ 0.50% · 4.625%
HK$81,971
+HK$4,105/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,732/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,473
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,883
−HK$2,448/mo
Today · 4.125%
HK$82,331
baseline
▲ 0.50% · 4.625%
HK$87,341
+HK$5,010/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,662/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,188
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,499
−HK$2,345/mo
Today · 4.125%
HK$90,844
baseline
▲ 0.50% · 4.625%
HK$95,633
+HK$4,789/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,688/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,608
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,706
−HK$3,148/mo
Today · 4.125%
HK$105,854
baseline
▲ 0.50% · 4.625%
HK$112,295
+HK$6,441/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,708/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,813
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,785
−HK$3,014/mo
Today · 4.125%
HK$116,799
baseline
▲ 0.50% · 4.625%
HK$122,956
+HK$6,157/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,598/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,397 · Scale 2, in force from 26 Feb 2026)