LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,353
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,075
−HK$1,750/mo
Today · 4.125%
HK$58,825
baseline
▲ 0.50% · 4.625%
HK$62,404
+HK$3,579/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,650/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,580
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,232
−HK$1,675/mo
Today · 4.125%
HK$64,907
baseline
▲ 0.50% · 4.625%
HK$68,328
+HK$3,421/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,814/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,424
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,490
−HK$2,099/mo
Today · 4.125%
HK$70,589
baseline
▲ 0.50% · 4.625%
HK$74,885
+HK$4,296/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$141,178/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,896
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,878
−HK$2,010/mo
Today · 4.125%
HK$77,888
baseline
▲ 0.50% · 4.625%
HK$81,994
+HK$4,106/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$155,776/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,495
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$79,905
−HK$2,449/mo
Today · 4.125%
HK$82,354
baseline
▲ 0.50% · 4.625%
HK$87,365
+HK$5,011/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,708/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,212
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,524
−HK$2,346/mo
Today · 4.125%
HK$90,870
baseline
▲ 0.50% · 4.625%
HK$95,660
+HK$4,790/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,740/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,636
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$102,735
−HK$3,149/mo
Today · 4.125%
HK$105,884
baseline
▲ 0.50% · 4.625%
HK$112,327
+HK$6,443/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$211,768/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,844
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$113,817
−HK$3,016/mo
Today · 4.125%
HK$116,833
baseline
▲ 0.50% · 4.625%
HK$122,991
+HK$6,158/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$233,666/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,691 · Scale 2, in force from 26 Feb 2026)