LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,388
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,111
−HK$1,750/mo
Today · 4.125%
HK$58,861
baseline
▲ 0.50% · 4.625%
HK$62,443
+HK$3,582/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,722/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,619
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,271
−HK$1,677/mo
Today · 4.125%
HK$64,948
baseline
▲ 0.50% · 4.625%
HK$68,371
+HK$3,423/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,896/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,466
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,533
−HK$2,101/mo
Today · 4.125%
HK$70,634
baseline
▲ 0.50% · 4.625%
HK$74,932
+HK$4,298/mo
Deposit HK$9.72M · loan HK$14.57M · min. income ≈ HK$141,268/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,942
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,926
−HK$2,011/mo
Today · 4.125%
HK$77,937
baseline
▲ 0.50% · 4.625%
HK$82,046
+HK$4,109/mo
Deposit HK$9.72M · loan HK$14.57M · min. income ≈ HK$155,874/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,543
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$79,955
−HK$2,451/mo
Today · 4.125%
HK$82,406
baseline
▲ 0.50% · 4.625%
HK$87,420
+HK$5,014/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$164,812/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,266
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,580
−HK$2,347/mo
Today · 4.125%
HK$90,927
baseline
▲ 0.50% · 4.625%
HK$95,720
+HK$4,793/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$181,854/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,699
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$102,800
−HK$3,151/mo
Today · 4.125%
HK$105,951
baseline
▲ 0.50% · 4.625%
HK$112,397
+HK$6,446/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$211,902/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,914
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$113,888
−HK$3,018/mo
Today · 4.125%
HK$116,906
baseline
▲ 0.50% · 4.625%
HK$123,068
+HK$6,162/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$233,812/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,338 · Scale 2, in force from 26 Feb 2026)