LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,347
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,068
−HK$1,750/mo
Today · 4.125%
HK$58,818
baseline
▲ 0.50% · 4.625%
HK$62,396
+HK$3,578/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,636/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,573
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,224
−HK$1,675/mo
Today · 4.125%
HK$64,899
baseline
▲ 0.50% · 4.625%
HK$68,320
+HK$3,421/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,798/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,416
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,482
−HK$2,099/mo
Today · 4.125%
HK$70,581
baseline
▲ 0.50% · 4.625%
HK$74,876
+HK$4,295/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,162/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,887
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,869
−HK$2,010/mo
Today · 4.125%
HK$77,879
baseline
▲ 0.50% · 4.625%
HK$81,984
+HK$4,105/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,758/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,485
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,896
−HK$2,449/mo
Today · 4.125%
HK$82,345
baseline
▲ 0.50% · 4.625%
HK$87,355
+HK$5,010/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,690/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,202
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$88,514
−HK$2,345/mo
Today · 4.125%
HK$90,859
baseline
▲ 0.50% · 4.625%
HK$95,648
+HK$4,789/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,718/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,624
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$102,723
−HK$3,149/mo
Today · 4.125%
HK$105,872
baseline
▲ 0.50% · 4.625%
HK$112,314
+HK$6,442/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,744/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,831
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$113,803
−HK$3,016/mo
Today · 4.125%
HK$116,819
baseline
▲ 0.50% · 4.625%
HK$122,976
+HK$6,157/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,638/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,568 · Scale 2, in force from 26 Feb 2026)