LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,356
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,078
−HK$1,749/mo
Today · 4.125%
HK$58,827
baseline
▲ 0.50% · 4.625%
HK$62,406
+HK$3,579/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,654/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,583
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,234
−HK$1,676/mo
Today · 4.125%
HK$64,910
baseline
▲ 0.50% · 4.625%
HK$68,331
+HK$3,421/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,820/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,427
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,493
−HK$2,099/mo
Today · 4.125%
HK$70,592
baseline
▲ 0.50% · 4.625%
HK$74,888
+HK$4,296/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$141,184/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,899
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,881
−HK$2,011/mo
Today · 4.125%
HK$77,892
baseline
▲ 0.50% · 4.625%
HK$81,997
+HK$4,105/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$155,784/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,498
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,909
−HK$2,449/mo
Today · 4.125%
HK$82,358
baseline
▲ 0.50% · 4.625%
HK$87,369
+HK$5,011/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,716/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,216
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,528
−HK$2,346/mo
Today · 4.125%
HK$90,874
baseline
▲ 0.50% · 4.625%
HK$95,664
+HK$4,790/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,748/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,640
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$102,740
−HK$3,148/mo
Today · 4.125%
HK$105,888
baseline
▲ 0.50% · 4.625%
HK$112,332
+HK$6,444/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$211,776/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,849
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$113,822
−HK$3,015/mo
Today · 4.125%
HK$116,837
baseline
▲ 0.50% · 4.625%
HK$122,996
+HK$6,159/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$233,674/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,733 · Scale 2, in force from 26 Feb 2026)