LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,400
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,124
−HK$1,751/mo
Today · 4.125%
HK$58,875
baseline
▲ 0.50% · 4.625%
HK$62,457
+HK$3,582/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,750/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,568 · 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$68,387
+HK$3,425/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$1,032,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,481
−HK$4,168/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$1,032,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,959
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,942
−HK$2,013/mo
Today · 4.125%
HK$77,955
baseline
▲ 0.50% · 4.625%
HK$82,064
+HK$4,109/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,910/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,561
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$79,973
−HK$2,451/mo
Today · 4.125%
HK$82,424
baseline
▲ 0.50% · 4.625%
HK$87,440
+HK$5,016/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$1,032,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,285
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,600
−HK$2,347/mo
Today · 4.125%
HK$90,947
baseline
▲ 0.50% · 4.625%
HK$95,741
+HK$4,794/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,894/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,721
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$102,823
−HK$3,151/mo
Today · 4.125%
HK$105,974
baseline
▲ 0.50% · 4.625%
HK$112,422
+HK$6,448/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$211,948/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,938
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$113,914
−HK$3,018/mo
Today · 4.125%
HK$116,932
baseline
▲ 0.50% · 4.625%
HK$123,096
+HK$6,164/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,864/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,568 · Scale 2, in force from 26 Feb 2026)