LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,339
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,060
−HK$1,749/mo
Today · 4.125%
HK$58,809
baseline
▲ 0.50% · 4.625%
HK$62,388
+HK$3,579/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,618/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,564
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,215
−HK$1,675/mo
Today · 4.125%
HK$64,890
baseline
▲ 0.50% · 4.625%
HK$68,311
+HK$3,421/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,780/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,407
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,472
−HK$2,099/mo
Today · 4.125%
HK$70,571
baseline
▲ 0.50% · 4.625%
HK$74,865
+HK$4,294/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,142/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,877
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,858
−HK$2,010/mo
Today · 4.125%
HK$77,868
baseline
▲ 0.50% · 4.625%
HK$81,973
+HK$4,105/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,736/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,475
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,885
−HK$2,448/mo
Today · 4.125%
HK$82,333
baseline
▲ 0.50% · 4.625%
HK$87,343
+HK$5,010/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,666/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,190
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,501
−HK$2,345/mo
Today · 4.125%
HK$90,846
baseline
▲ 0.50% · 4.625%
HK$95,635
+HK$4,789/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,692/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,610
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$102,709
−HK$3,148/mo
Today · 4.125%
HK$105,857
baseline
▲ 0.50% · 4.625%
HK$112,298
+HK$6,441/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,714/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,815
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$113,787
−HK$3,015/mo
Today · 4.125%
HK$116,802
baseline
▲ 0.50% · 4.625%
HK$122,959
+HK$6,157/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,604/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,424 · Scale 2, in force from 26 Feb 2026)