LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,340
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,062
−HK$1,749/mo
Today · 4.125%
HK$58,811
baseline
▲ 0.50% · 4.625%
HK$62,389
+HK$3,578/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,622/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,566
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,217
−HK$1,675/mo
Today · 4.125%
HK$64,892
baseline
▲ 0.50% · 4.625%
HK$68,312
+HK$3,420/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,784/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,408
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,474
−HK$2,099/mo
Today · 4.125%
HK$70,573
baseline
▲ 0.50% · 4.625%
HK$74,867
+HK$4,294/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,146/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,879
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,860
−HK$2,010/mo
Today · 4.125%
HK$77,870
baseline
▲ 0.50% · 4.625%
HK$81,975
+HK$4,105/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,740/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,476
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$79,886
−HK$2,449/mo
Today · 4.125%
HK$82,335
baseline
▲ 0.50% · 4.625%
HK$87,345
+HK$5,010/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,670/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,192
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,503
−HK$2,345/mo
Today · 4.125%
HK$90,848
baseline
▲ 0.50% · 4.625%
HK$95,637
+HK$4,789/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,696/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,613
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,711
−HK$3,148/mo
Today · 4.125%
HK$105,859
baseline
▲ 0.50% · 4.625%
HK$112,301
+HK$6,442/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,718/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,818
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$113,790
−HK$3,015/mo
Today · 4.125%
HK$116,805
baseline
▲ 0.50% · 4.625%
HK$122,962
+HK$6,157/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,610/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,448 · Scale 2, in force from 26 Feb 2026)