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$1,032,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,630
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,283
−HK$1,677/mo
Today · 4.125%
HK$64,960
baseline
▲ 0.50% · 4.625%
HK$68,384
+HK$3,424/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,920/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,478
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,546
−HK$2,101/mo
Today · 4.125%
HK$70,647
baseline
▲ 0.50% · 4.625%
HK$74,945
+HK$4,298/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,294/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,956
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,939
−HK$2,013/mo
Today · 4.125%
HK$77,952
baseline
▲ 0.50% · 4.625%
HK$82,060
+HK$4,108/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,904/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,557
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$79,970
−HK$2,451/mo
Today · 4.125%
HK$82,421
baseline
▲ 0.50% · 4.625%
HK$87,436
+HK$5,015/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,842/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,282
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,596
−HK$2,347/mo
Today · 4.125%
HK$90,943
baseline
▲ 0.50% · 4.625%
HK$95,737
+HK$4,794/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$1,032,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,717
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$102,819
−HK$3,151/mo
Today · 4.125%
HK$105,970
baseline
▲ 0.50% · 4.625%
HK$112,418
+HK$6,448/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$211,940/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,934
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$113,909
−HK$3,018/mo
Today · 4.125%
HK$116,927
baseline
▲ 0.50% · 4.625%
HK$123,091
+HK$6,164/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,854/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,526 · Scale 2, in force from 26 Feb 2026)