LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,371
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,094
−HK$1,750/mo
Today · 4.125%
HK$58,844
baseline
▲ 0.50% · 4.625%
HK$62,424
+HK$3,580/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,688/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,032,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,600
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,252
−HK$1,676/mo
Today · 4.125%
HK$64,928
baseline
▲ 0.50% · 4.625%
HK$68,351
+HK$3,423/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,856/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,032,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,446
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,513
−HK$2,099/mo
Today · 4.125%
HK$70,612
baseline
▲ 0.50% · 4.625%
HK$74,909
+HK$4,297/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$141,224/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,920
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,903
−HK$2,011/mo
Today · 4.125%
HK$77,914
baseline
▲ 0.50% · 4.625%
HK$82,021
+HK$4,107/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$155,828/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,520
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$79,931
−HK$2,450/mo
Today · 4.125%
HK$82,381
baseline
▲ 0.50% · 4.625%
HK$87,394
+HK$5,013/mo
Deposit HK$7.28M · loan HK$17.00M · min. income ≈ HK$164,762/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,240
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,553
−HK$2,346/mo
Today · 4.125%
HK$90,899
baseline
▲ 0.50% · 4.625%
HK$95,691
+HK$4,792/mo
Deposit HK$7.28M · loan HK$17.00M · min. income ≈ HK$181,798/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,669
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,769
−HK$3,150/mo
Today · 4.125%
HK$105,919
baseline
▲ 0.50% · 4.625%
HK$112,363
+HK$6,444/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$211,838/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,880
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$113,854
−HK$3,017/mo
Today · 4.125%
HK$116,871
baseline
▲ 0.50% · 4.625%
HK$123,031
+HK$6,160/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$233,742/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,027 · Scale 2, in force from 26 Feb 2026)