LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,339
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,061
−HK$1,749/mo
Today · 4.125%
HK$58,810
baseline
▲ 0.50% · 4.625%
HK$62,388
+HK$3,578/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,620/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,565
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,216
−HK$1,675/mo
Today · 4.125%
HK$64,891
baseline
▲ 0.50% · 4.625%
HK$68,311
+HK$3,420/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,782/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,407
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,473
−HK$2,099/mo
Today · 4.125%
HK$70,572
baseline
▲ 0.50% · 4.625%
HK$74,866
+HK$4,294/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,144/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,877
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,859
−HK$2,010/mo
Today · 4.125%
HK$77,869
baseline
▲ 0.50% · 4.625%
HK$81,973
+HK$4,104/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,738/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,475
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$79,885
−HK$2,449/mo
Today · 4.125%
HK$82,334
baseline
▲ 0.50% · 4.625%
HK$87,343
+HK$5,009/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,668/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,190
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$88,502
−HK$2,345/mo
Today · 4.125%
HK$90,847
baseline
▲ 0.50% · 4.625%
HK$95,636
+HK$4,789/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,694/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,611
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,709
−HK$3,148/mo
Today · 4.125%
HK$105,857
baseline
▲ 0.50% · 4.625%
HK$112,299
+HK$6,442/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$1,031,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,816
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$113,788
−HK$3,015/mo
Today · 4.125%
HK$116,803
baseline
▲ 0.50% · 4.625%
HK$122,960
+HK$6,157/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,606/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,431 · Scale 2, in force from 26 Feb 2026)