LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,376
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,098
−HK$1,750/mo
Today · 4.125%
HK$58,848
baseline
▲ 0.50% · 4.625%
HK$62,429
+HK$3,581/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,696/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,032,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,605
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,257
−HK$1,676/mo
Today · 4.125%
HK$64,933
baseline
▲ 0.50% · 4.625%
HK$68,356
+HK$3,423/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,866/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,032,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,451
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,518
−HK$2,100/mo
Today · 4.125%
HK$70,618
baseline
▲ 0.50% · 4.625%
HK$74,915
+HK$4,297/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$141,236/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,926
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,909
−HK$2,011/mo
Today · 4.125%
HK$77,920
baseline
▲ 0.50% · 4.625%
HK$82,027
+HK$4,107/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$155,840/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,526
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,938
−HK$2,450/mo
Today · 4.125%
HK$82,388
baseline
▲ 0.50% · 4.625%
HK$87,401
+HK$5,013/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$164,776/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,247
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$88,560
−HK$2,347/mo
Today · 4.125%
HK$90,907
baseline
▲ 0.50% · 4.625%
HK$95,699
+HK$4,792/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$181,814/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,677
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,777
−HK$3,150/mo
Today · 4.125%
HK$105,927
baseline
▲ 0.50% · 4.625%
HK$112,373
+HK$6,446/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$211,854/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,889
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$113,863
−HK$3,017/mo
Today · 4.125%
HK$116,880
baseline
▲ 0.50% · 4.625%
HK$123,041
+HK$6,161/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$233,760/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,111 · Scale 2, in force from 26 Feb 2026)