LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,406
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,130
−HK$1,751/mo
Today · 4.125%
HK$58,881
baseline
▲ 0.50% · 4.625%
HK$62,464
+HK$3,583/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,762/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,639
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,292
−HK$1,677/mo
Today · 4.125%
HK$64,969
baseline
▲ 0.50% · 4.625%
HK$68,394
+HK$3,425/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,938/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,488
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,556
−HK$2,101/mo
Today · 4.125%
HK$70,657
baseline
▲ 0.50% · 4.625%
HK$74,956
+HK$4,299/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,314/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,967
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,951
−HK$2,012/mo
Today · 4.125%
HK$77,963
baseline
▲ 0.50% · 4.625%
HK$82,073
+HK$4,110/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,926/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,569
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$79,982
−HK$2,451/mo
Today · 4.125%
HK$82,433
baseline
▲ 0.50% · 4.625%
HK$87,449
+HK$5,016/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,866/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,295
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,609
−HK$2,348/mo
Today · 4.125%
HK$90,957
baseline
▲ 0.50% · 4.625%
HK$95,752
+HK$4,795/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,914/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,732
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$102,834
−HK$3,152/mo
Today · 4.125%
HK$105,986
baseline
▲ 0.50% · 4.625%
HK$112,435
+HK$6,449/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$211,972/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,950
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,926
−HK$3,019/mo
Today · 4.125%
HK$116,945
baseline
▲ 0.50% · 4.625%
HK$123,109
+HK$6,164/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,890/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,680 · Scale 2, in force from 26 Feb 2026)