LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,397
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,120
−HK$1,751/mo
Today · 4.125%
HK$58,871
baseline
▲ 0.50% · 4.625%
HK$62,453
+HK$3,582/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,742/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,628
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,281
−HK$1,677/mo
Today · 4.125%
HK$64,958
baseline
▲ 0.50% · 4.625%
HK$68,382
+HK$3,424/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,916/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,476
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,544
−HK$2,101/mo
Today · 4.125%
HK$70,645
baseline
▲ 0.50% · 4.625%
HK$74,943
+HK$4,298/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,290/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,954
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,937
−HK$2,012/mo
Today · 4.125%
HK$77,949
baseline
▲ 0.50% · 4.625%
HK$82,058
+HK$4,109/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,898/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,555
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$79,968
−HK$2,451/mo
Today · 4.125%
HK$82,419
baseline
▲ 0.50% · 4.625%
HK$87,434
+HK$5,015/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,838/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,280
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,593
−HK$2,348/mo
Today · 4.125%
HK$90,941
baseline
▲ 0.50% · 4.625%
HK$95,735
+HK$4,794/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,882/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,714
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$102,816
−HK$3,151/mo
Today · 4.125%
HK$105,967
baseline
▲ 0.50% · 4.625%
HK$112,415
+HK$6,448/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$211,934/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,931
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$113,906
−HK$3,018/mo
Today · 4.125%
HK$116,924
baseline
▲ 0.50% · 4.625%
HK$123,087
+HK$6,163/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$233,848/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,497 · Scale 2, in force from 26 Feb 2026)