LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,371
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,093
−HK$1,750/mo
Today · 4.125%
HK$58,843
baseline
▲ 0.50% · 4.625%
HK$62,423
+HK$3,580/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,686/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,032,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,599
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,251
−HK$1,676/mo
Today · 4.125%
HK$64,927
baseline
▲ 0.50% · 4.625%
HK$68,350
+HK$3,423/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,854/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,032,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,445
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,511
−HK$2,100/mo
Today · 4.125%
HK$70,611
baseline
▲ 0.50% · 4.625%
HK$74,908
+HK$4,297/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$141,222/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,919
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,901
−HK$2,012/mo
Today · 4.125%
HK$77,913
baseline
▲ 0.50% · 4.625%
HK$82,020
+HK$4,107/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$155,826/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,519
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$79,930
−HK$2,450/mo
Today · 4.125%
HK$82,380
baseline
▲ 0.50% · 4.625%
HK$87,392
+HK$5,012/mo
Deposit HK$7.28M · loan HK$17.00M · min. income ≈ HK$164,760/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,239
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,552
−HK$2,346/mo
Today · 4.125%
HK$90,898
baseline
▲ 0.50% · 4.625%
HK$95,689
+HK$4,791/mo
Deposit HK$7.28M · loan HK$17.00M · min. income ≈ HK$181,796/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,667
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,767
−HK$3,150/mo
Today · 4.125%
HK$105,917
baseline
▲ 0.50% · 4.625%
HK$112,362
+HK$6,445/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$211,834/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,879
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$113,852
−HK$3,017/mo
Today · 4.125%
HK$116,869
baseline
▲ 0.50% · 4.625%
HK$123,029
+HK$6,160/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$233,738/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,011 · Scale 2, in force from 26 Feb 2026)