LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,344
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,066
−HK$1,749/mo
Today · 4.125%
HK$58,815
baseline
▲ 0.50% · 4.625%
HK$62,393
+HK$3,578/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,630/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,570
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,221
−HK$1,675/mo
Today · 4.125%
HK$64,896
baseline
▲ 0.50% · 4.625%
HK$68,317
+HK$3,421/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,792/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,413
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,479
−HK$2,099/mo
Today · 4.125%
HK$70,578
baseline
▲ 0.50% · 4.625%
HK$74,872
+HK$4,294/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,156/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,884
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,865
−HK$2,010/mo
Today · 4.125%
HK$77,875
baseline
▲ 0.50% · 4.625%
HK$81,980
+HK$4,105/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,750/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,482
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,892
−HK$2,448/mo
Today · 4.125%
HK$82,340
baseline
▲ 0.50% · 4.625%
HK$87,351
+HK$5,011/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,680/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,198
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$88,509
−HK$2,346/mo
Today · 4.125%
HK$90,855
baseline
▲ 0.50% · 4.625%
HK$95,644
+HK$4,789/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,710/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,619
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$102,718
−HK$3,148/mo
Today · 4.125%
HK$105,866
baseline
▲ 0.50% · 4.625%
HK$112,308
+HK$6,442/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,732/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,825
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$113,798
−HK$3,015/mo
Today · 4.125%
HK$116,813
baseline
▲ 0.50% · 4.625%
HK$122,970
+HK$6,157/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,626/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,517 · Scale 2, in force from 26 Feb 2026)