LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,351
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,073
−HK$1,750/mo
Today · 4.125%
HK$58,823
baseline
▲ 0.50% · 4.625%
HK$62,402
+HK$3,579/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,646/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,578
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,229
−HK$1,676/mo
Today · 4.125%
HK$64,905
baseline
▲ 0.50% · 4.625%
HK$68,326
+HK$3,421/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,810/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,422
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,488
−HK$2,099/mo
Today · 4.125%
HK$70,587
baseline
▲ 0.50% · 4.625%
HK$74,882
+HK$4,295/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,174/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,894
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,875
−HK$2,011/mo
Today · 4.125%
HK$77,886
baseline
▲ 0.50% · 4.625%
HK$81,991
+HK$4,105/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,772/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,492
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,903
−HK$2,449/mo
Today · 4.125%
HK$82,352
baseline
▲ 0.50% · 4.625%
HK$87,362
+HK$5,010/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,704/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,209
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,521
−HK$2,346/mo
Today · 4.125%
HK$90,867
baseline
▲ 0.50% · 4.625%
HK$95,657
+HK$4,790/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,734/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,633
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$102,732
−HK$3,149/mo
Today · 4.125%
HK$105,881
baseline
▲ 0.50% · 4.625%
HK$112,323
+HK$6,442/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$211,762/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,840
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$113,813
−HK$3,016/mo
Today · 4.125%
HK$116,829
baseline
▲ 0.50% · 4.625%
HK$122,987
+HK$6,158/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$233,658/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,656 · Scale 2, in force from 26 Feb 2026)