LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,378
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,100
−HK$1,751/mo
Today · 4.125%
HK$58,851
baseline
▲ 0.50% · 4.625%
HK$62,431
+HK$3,580/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,702/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,607
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,260
−HK$1,676/mo
Today · 4.125%
HK$64,936
baseline
▲ 0.50% · 4.625%
HK$68,359
+HK$3,423/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,872/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,453
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,520
−HK$2,101/mo
Today · 4.125%
HK$70,621
baseline
▲ 0.50% · 4.625%
HK$74,918
+HK$4,297/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$141,242/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,929
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,911
−HK$2,012/mo
Today · 4.125%
HK$77,923
baseline
▲ 0.50% · 4.625%
HK$82,030
+HK$4,107/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$155,846/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,529
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,941
−HK$2,450/mo
Today · 4.125%
HK$82,391
baseline
▲ 0.50% · 4.625%
HK$87,404
+HK$5,013/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$164,782/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,250
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$88,563
−HK$2,347/mo
Today · 4.125%
HK$90,910
baseline
▲ 0.50% · 4.625%
HK$95,702
+HK$4,792/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$181,820/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,680
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$102,781
−HK$3,150/mo
Today · 4.125%
HK$105,931
baseline
▲ 0.50% · 4.625%
HK$112,377
+HK$6,446/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$211,862/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,893
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$113,867
−HK$3,017/mo
Today · 4.125%
HK$116,884
baseline
▲ 0.50% · 4.625%
HK$123,045
+HK$6,161/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$233,768/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,147 · Scale 2, in force from 26 Feb 2026)