LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,399
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,122
−HK$1,751/mo
Today · 4.125%
HK$58,873
baseline
▲ 0.50% · 4.625%
HK$62,455
+HK$3,582/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,746/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,631
−HK$3,329/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$1,032,536 · 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$74,946
+HK$4,299/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$1,032,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,957
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,940
−HK$2,012/mo
Today · 4.125%
HK$77,952
baseline
▲ 0.50% · 4.625%
HK$82,061
+HK$4,109/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$1,032,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,558
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$79,971
−HK$2,451/mo
Today · 4.125%
HK$82,422
baseline
▲ 0.50% · 4.625%
HK$87,437
+HK$5,015/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,844/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,283
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,597
−HK$2,347/mo
Today · 4.125%
HK$90,944
baseline
▲ 0.50% · 4.625%
HK$95,738
+HK$4,794/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,888/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,718
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$102,820
−HK$3,151/mo
Today · 4.125%
HK$105,971
baseline
▲ 0.50% · 4.625%
HK$112,419
+HK$6,448/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$211,942/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,935
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$113,910
−HK$3,018/mo
Today · 4.125%
HK$116,928
baseline
▲ 0.50% · 4.625%
HK$123,092
+HK$6,164/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,856/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,536 · Scale 2, in force from 26 Feb 2026)