LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,353
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,074
−HK$1,750/mo
Today · 4.125%
HK$58,824
baseline
▲ 0.50% · 4.625%
HK$62,403
+HK$3,579/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,648/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,579
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,231
−HK$1,675/mo
Today · 4.125%
HK$64,906
baseline
▲ 0.50% · 4.625%
HK$68,328
+HK$3,422/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,812/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,423
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,489
−HK$2,100/mo
Today · 4.125%
HK$70,589
baseline
▲ 0.50% · 4.625%
HK$74,884
+HK$4,295/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,178/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,895
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,877
−HK$2,011/mo
Today · 4.125%
HK$77,888
baseline
▲ 0.50% · 4.625%
HK$81,993
+HK$4,105/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,776/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,494
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$79,904
−HK$2,449/mo
Today · 4.125%
HK$82,353
baseline
▲ 0.50% · 4.625%
HK$87,364
+HK$5,011/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,706/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,211
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,523
−HK$2,346/mo
Today · 4.125%
HK$90,869
baseline
▲ 0.50% · 4.625%
HK$95,659
+HK$4,790/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,738/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,635
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$102,734
−HK$3,149/mo
Today · 4.125%
HK$105,883
baseline
▲ 0.50% · 4.625%
HK$112,326
+HK$6,443/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$211,766/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,843
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$113,816
−HK$3,015/mo
Today · 4.125%
HK$116,831
baseline
▲ 0.50% · 4.625%
HK$122,990
+HK$6,159/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$233,662/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,678 · Scale 2, in force from 26 Feb 2026)