LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,403
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,126
−HK$1,751/mo
Today · 4.125%
HK$58,877
baseline
▲ 0.50% · 4.625%
HK$62,460
+HK$3,583/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,754/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,635
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,288
−HK$1,677/mo
Today · 4.125%
HK$64,965
baseline
▲ 0.50% · 4.625%
HK$68,389
+HK$3,424/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,930/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,483
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,551
−HK$2,102/mo
Today · 4.125%
HK$70,653
baseline
▲ 0.50% · 4.625%
HK$74,952
+HK$4,299/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,306/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,962
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,946
−HK$2,012/mo
Today · 4.125%
HK$77,958
baseline
▲ 0.50% · 4.625%
HK$82,067
+HK$4,109/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,916/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,564
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$79,977
−HK$2,451/mo
Today · 4.125%
HK$82,428
baseline
▲ 0.50% · 4.625%
HK$87,444
+HK$5,016/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,856/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,289
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,603
−HK$2,348/mo
Today · 4.125%
HK$90,951
baseline
▲ 0.50% · 4.625%
HK$95,745
+HK$4,794/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,902/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,725
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$102,827
−HK$3,152/mo
Today · 4.125%
HK$105,979
baseline
▲ 0.50% · 4.625%
HK$112,427
+HK$6,448/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$211,958/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,943
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$113,919
−HK$3,018/mo
Today · 4.125%
HK$116,937
baseline
▲ 0.50% · 4.625%
HK$123,101
+HK$6,164/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,874/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,613 · Scale 2, in force from 26 Feb 2026)