LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,372
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,095
−HK$1,750/mo
Today · 4.125%
HK$58,845
baseline
▲ 0.50% · 4.625%
HK$62,425
+HK$3,580/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,690/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,032,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,601
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,253
−HK$1,676/mo
Today · 4.125%
HK$64,929
baseline
▲ 0.50% · 4.625%
HK$68,352
+HK$3,423/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,858/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,032,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,447
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,514
−HK$2,100/mo
Today · 4.125%
HK$70,614
baseline
▲ 0.50% · 4.625%
HK$74,910
+HK$4,296/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$141,228/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,922
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,904
−HK$2,011/mo
Today · 4.125%
HK$77,915
baseline
▲ 0.50% · 4.625%
HK$82,022
+HK$4,107/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$155,830/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,521
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,933
−HK$2,450/mo
Today · 4.125%
HK$82,383
baseline
▲ 0.50% · 4.625%
HK$87,396
+HK$5,013/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$164,766/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,242
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,555
−HK$2,346/mo
Today · 4.125%
HK$90,901
baseline
▲ 0.50% · 4.625%
HK$95,693
+HK$4,792/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$181,802/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,670
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$102,771
−HK$3,150/mo
Today · 4.125%
HK$105,921
baseline
▲ 0.50% · 4.625%
HK$112,366
+HK$6,445/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$211,842/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,882
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$113,856
−HK$3,017/mo
Today · 4.125%
HK$116,873
baseline
▲ 0.50% · 4.625%
HK$123,034
+HK$6,161/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$233,746/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,047 · Scale 2, in force from 26 Feb 2026)