LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,350
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,072
−HK$1,749/mo
Today · 4.125%
HK$58,821
baseline
▲ 0.50% · 4.625%
HK$62,400
+HK$3,579/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,642/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,577
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,228
−HK$1,675/mo
Today · 4.125%
HK$64,903
baseline
▲ 0.50% · 4.625%
HK$68,325
+HK$3,422/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,806/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,420
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,486
−HK$2,099/mo
Today · 4.125%
HK$70,585
baseline
▲ 0.50% · 4.625%
HK$74,880
+HK$4,295/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,170/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,892
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,874
−HK$2,010/mo
Today · 4.125%
HK$77,884
baseline
▲ 0.50% · 4.625%
HK$81,989
+HK$4,105/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,768/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,490
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,901
−HK$2,449/mo
Today · 4.125%
HK$82,350
baseline
▲ 0.50% · 4.625%
HK$87,360
+HK$5,010/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,700/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,207
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,519
−HK$2,346/mo
Today · 4.125%
HK$90,865
baseline
▲ 0.50% · 4.625%
HK$95,654
+HK$4,789/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,730/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,630
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$102,729
−HK$3,149/mo
Today · 4.125%
HK$105,878
baseline
▲ 0.50% · 4.625%
HK$112,321
+HK$6,443/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$211,756/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,838
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$113,810
−HK$3,016/mo
Today · 4.125%
HK$116,826
baseline
▲ 0.50% · 4.625%
HK$122,984
+HK$6,158/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$233,652/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,632 · Scale 2, in force from 26 Feb 2026)