LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,401
−HK$3,474/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$1,032,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,633
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,286
−HK$1,676/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$1,032,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,481
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,549
−HK$2,101/mo
Today · 4.125%
HK$70,650
baseline
▲ 0.50% · 4.625%
HK$74,949
+HK$4,299/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,300/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,959
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,943
−HK$2,012/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$1,032,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,561
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$79,973
−HK$2,452/mo
Today · 4.125%
HK$82,425
baseline
▲ 0.50% · 4.625%
HK$87,440
+HK$5,015/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,850/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,286
−HK$4,661/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$1,032,571 · 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$112,423
+HK$6,449/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$1,032,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,939
−HK$5,993/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$1,032,571 · Scale 2, in force from 26 Feb 2026)