LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,394
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,117
−HK$1,750/mo
Today · 4.125%
HK$58,867
baseline
▲ 0.50% · 4.625%
HK$62,449
+HK$3,582/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,734/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,625
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,278
−HK$1,676/mo
Today · 4.125%
HK$64,954
baseline
▲ 0.50% · 4.625%
HK$68,378
+HK$3,424/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,908/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,472
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,540
−HK$2,101/mo
Today · 4.125%
HK$70,641
baseline
▲ 0.50% · 4.625%
HK$74,939
+HK$4,298/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,282/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,950
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,933
−HK$2,012/mo
Today · 4.125%
HK$77,945
baseline
▲ 0.50% · 4.625%
HK$82,054
+HK$4,109/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,890/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,551
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$79,963
−HK$2,451/mo
Today · 4.125%
HK$82,414
baseline
▲ 0.50% · 4.625%
HK$87,429
+HK$5,015/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$164,828/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,275
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,589
−HK$2,347/mo
Today · 4.125%
HK$90,936
baseline
▲ 0.50% · 4.625%
HK$95,729
+HK$4,793/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$181,872/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,708
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$102,810
−HK$3,151/mo
Today · 4.125%
HK$105,961
baseline
▲ 0.50% · 4.625%
HK$112,409
+HK$6,448/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$211,922/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,925
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$113,900
−HK$3,018/mo
Today · 4.125%
HK$116,918
baseline
▲ 0.50% · 4.625%
HK$123,081
+HK$6,163/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$233,836/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,441 · Scale 2, in force from 26 Feb 2026)