LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,357
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,079
−HK$1,750/mo
Today · 4.125%
HK$58,829
baseline
▲ 0.50% · 4.625%
HK$62,408
+HK$3,579/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,658/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,585
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,236
−HK$1,676/mo
Today · 4.125%
HK$64,912
baseline
▲ 0.50% · 4.625%
HK$68,333
+HK$3,421/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,824/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,429
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,495
−HK$2,100/mo
Today · 4.125%
HK$70,595
baseline
▲ 0.50% · 4.625%
HK$74,890
+HK$4,295/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$141,190/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,902
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,884
−HK$2,010/mo
Today · 4.125%
HK$77,894
baseline
▲ 0.50% · 4.625%
HK$82,000
+HK$4,106/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$155,788/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,500
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,911
−HK$2,449/mo
Today · 4.125%
HK$82,360
baseline
▲ 0.50% · 4.625%
HK$87,372
+HK$5,012/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,720/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,218
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,531
−HK$2,346/mo
Today · 4.125%
HK$90,877
baseline
▲ 0.50% · 4.625%
HK$95,667
+HK$4,790/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,754/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,643
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$102,743
−HK$3,149/mo
Today · 4.125%
HK$105,892
baseline
▲ 0.50% · 4.625%
HK$112,335
+HK$6,443/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$211,784/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,852
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$113,825
−HK$3,016/mo
Today · 4.125%
HK$116,841
baseline
▲ 0.50% · 4.625%
HK$123,000
+HK$6,159/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$233,682/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,767 · Scale 2, in force from 26 Feb 2026)