LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,398
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,121
−HK$1,751/mo
Today · 4.125%
HK$58,872
baseline
▲ 0.50% · 4.625%
HK$62,454
+HK$3,582/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,744/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,629
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,282
−HK$1,677/mo
Today · 4.125%
HK$64,959
baseline
▲ 0.50% · 4.625%
HK$68,383
+HK$3,424/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,918/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,477
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,545
−HK$2,101/mo
Today · 4.125%
HK$70,646
baseline
▲ 0.50% · 4.625%
HK$74,945
+HK$4,299/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,292/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,955
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,939
−HK$2,012/mo
Today · 4.125%
HK$77,951
baseline
▲ 0.50% · 4.625%
HK$82,060
+HK$4,109/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,902/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,557
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$79,969
−HK$2,451/mo
Today · 4.125%
HK$82,420
baseline
▲ 0.50% · 4.625%
HK$87,435
+HK$5,015/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,840/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,281
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,595
−HK$2,348/mo
Today · 4.125%
HK$90,943
baseline
▲ 0.50% · 4.625%
HK$95,736
+HK$4,793/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,886/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,716
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$102,818
−HK$3,151/mo
Today · 4.125%
HK$105,969
baseline
▲ 0.50% · 4.625%
HK$112,417
+HK$6,448/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$211,938/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,933
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$113,908
−HK$3,018/mo
Today · 4.125%
HK$116,926
baseline
▲ 0.50% · 4.625%
HK$123,090
+HK$6,164/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,852/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,516 · Scale 2, in force from 26 Feb 2026)