LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,359
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,081
−HK$1,750/mo
Today · 4.125%
HK$58,831
baseline
▲ 0.50% · 4.625%
HK$62,411
+HK$3,580/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,662/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,587
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,238
−HK$1,676/mo
Today · 4.125%
HK$64,914
baseline
▲ 0.50% · 4.625%
HK$68,336
+HK$3,422/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,828/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,431
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,498
−HK$2,099/mo
Today · 4.125%
HK$70,597
baseline
▲ 0.50% · 4.625%
HK$74,893
+HK$4,296/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$141,194/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,904
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,886
−HK$2,011/mo
Today · 4.125%
HK$77,897
baseline
▲ 0.50% · 4.625%
HK$82,003
+HK$4,106/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$155,794/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,503
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,914
−HK$2,449/mo
Today · 4.125%
HK$82,363
baseline
▲ 0.50% · 4.625%
HK$87,375
+HK$5,012/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,726/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,031,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,221
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,534
−HK$2,346/mo
Today · 4.125%
HK$90,880
baseline
▲ 0.50% · 4.625%
HK$95,670
+HK$4,790/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,760/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,031,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,647
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$102,746
−HK$3,149/mo
Today · 4.125%
HK$105,895
baseline
▲ 0.50% · 4.625%
HK$112,339
+HK$6,444/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$211,790/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,856
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$113,829
−HK$3,016/mo
Today · 4.125%
HK$116,845
baseline
▲ 0.50% · 4.625%
HK$123,004
+HK$6,159/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$233,690/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,801 · Scale 2, in force from 26 Feb 2026)