LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,381
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,104
−HK$1,750/mo
Today · 4.125%
HK$58,854
baseline
▲ 0.50% · 4.625%
HK$62,435
+HK$3,581/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,708/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,611
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,263
−HK$1,677/mo
Today · 4.125%
HK$64,940
baseline
▲ 0.50% · 4.625%
HK$68,363
+HK$3,423/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,880/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,458
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,525
−HK$2,100/mo
Today · 4.125%
HK$70,625
baseline
▲ 0.50% · 4.625%
HK$74,922
+HK$4,297/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$141,250/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,933
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,916
−HK$2,012/mo
Today · 4.125%
HK$77,928
baseline
▲ 0.50% · 4.625%
HK$82,035
+HK$4,107/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$155,856/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,534
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,946
−HK$2,450/mo
Today · 4.125%
HK$82,396
baseline
▲ 0.50% · 4.625%
HK$87,409
+HK$5,013/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$164,792/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,256
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$88,569
−HK$2,347/mo
Today · 4.125%
HK$90,916
baseline
▲ 0.50% · 4.625%
HK$95,708
+HK$4,792/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$181,832/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,686
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$102,787
−HK$3,150/mo
Today · 4.125%
HK$105,937
baseline
▲ 0.50% · 4.625%
HK$112,384
+HK$6,447/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$211,874/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,900
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$113,874
−HK$3,018/mo
Today · 4.125%
HK$116,892
baseline
▲ 0.50% · 4.625%
HK$123,053
+HK$6,161/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$233,784/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,211 · Scale 2, in force from 26 Feb 2026)