LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,402
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,125
−HK$1,751/mo
Today · 4.125%
HK$58,876
baseline
▲ 0.50% · 4.625%
HK$62,458
+HK$3,582/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,752/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,634
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,287
−HK$1,677/mo
Today · 4.125%
HK$64,964
baseline
▲ 0.50% · 4.625%
HK$68,388
+HK$3,424/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,928/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,482
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,550
−HK$2,101/mo
Today · 4.125%
HK$70,651
baseline
▲ 0.50% · 4.625%
HK$74,950
+HK$4,299/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,302/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,960
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,944
−HK$2,012/mo
Today · 4.125%
HK$77,956
baseline
▲ 0.50% · 4.625%
HK$82,066
+HK$4,110/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,912/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,562
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$79,975
−HK$2,451/mo
Today · 4.125%
HK$82,426
baseline
▲ 0.50% · 4.625%
HK$87,442
+HK$5,016/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,852/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,287
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,601
−HK$2,348/mo
Today · 4.125%
HK$90,949
baseline
▲ 0.50% · 4.625%
HK$95,743
+HK$4,794/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,898/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,723
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$102,825
−HK$3,151/mo
Today · 4.125%
HK$105,976
baseline
▲ 0.50% · 4.625%
HK$112,425
+HK$6,449/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$211,952/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,941
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$113,916
−HK$3,018/mo
Today · 4.125%
HK$116,934
baseline
▲ 0.50% · 4.625%
HK$123,098
+HK$6,164/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,868/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,590 · Scale 2, in force from 26 Feb 2026)