LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,374
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,097
−HK$1,750/mo
Today · 4.125%
HK$58,847
baseline
▲ 0.50% · 4.625%
HK$62,427
+HK$3,580/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,694/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,032,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,603
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,256
−HK$1,676/mo
Today · 4.125%
HK$64,932
baseline
▲ 0.50% · 4.625%
HK$68,354
+HK$3,422/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,864/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,032,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,449
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,516
−HK$2,100/mo
Today · 4.125%
HK$70,616
baseline
▲ 0.50% · 4.625%
HK$74,913
+HK$4,297/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$141,232/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,924
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,907
−HK$2,011/mo
Today · 4.125%
HK$77,918
baseline
▲ 0.50% · 4.625%
HK$82,025
+HK$4,107/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$155,836/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,524
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$79,935
−HK$2,450/mo
Today · 4.125%
HK$82,385
baseline
▲ 0.50% · 4.625%
HK$87,398
+HK$5,013/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$164,770/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,245
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,558
−HK$2,346/mo
Today · 4.125%
HK$90,904
baseline
▲ 0.50% · 4.625%
HK$95,696
+HK$4,792/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$181,808/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,674
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,774
−HK$3,150/mo
Today · 4.125%
HK$105,924
baseline
▲ 0.50% · 4.625%
HK$112,369
+HK$6,445/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$211,848/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,886
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$113,860
−HK$3,017/mo
Today · 4.125%
HK$116,877
baseline
▲ 0.50% · 4.625%
HK$123,038
+HK$6,161/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$233,754/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,081 · Scale 2, in force from 26 Feb 2026)