LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,400
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,123
−HK$1,751/mo
Today · 4.125%
HK$58,874
baseline
▲ 0.50% · 4.625%
HK$62,456
+HK$3,582/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,748/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,632
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,285
−HK$1,677/mo
Today · 4.125%
HK$64,962
baseline
▲ 0.50% · 4.625%
HK$68,386
+HK$3,424/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,924/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,480
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,548
−HK$2,101/mo
Today · 4.125%
HK$70,649
baseline
▲ 0.50% · 4.625%
HK$74,948
+HK$4,299/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,298/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,958
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,942
−HK$2,012/mo
Today · 4.125%
HK$77,954
baseline
▲ 0.50% · 4.625%
HK$82,063
+HK$4,109/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,908/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,560
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$79,972
−HK$2,452/mo
Today · 4.125%
HK$82,424
baseline
▲ 0.50% · 4.625%
HK$87,439
+HK$5,015/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,848/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,285
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,599
−HK$2,347/mo
Today · 4.125%
HK$90,946
baseline
▲ 0.50% · 4.625%
HK$95,740
+HK$4,794/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,892/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,720
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$102,822
−HK$3,151/mo
Today · 4.125%
HK$105,973
baseline
▲ 0.50% · 4.625%
HK$112,421
+HK$6,448/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$211,946/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,937
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$113,913
−HK$3,018/mo
Today · 4.125%
HK$116,931
baseline
▲ 0.50% · 4.625%
HK$123,095
+HK$6,164/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,862/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,558 · Scale 2, in force from 26 Feb 2026)