LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,407
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,131
−HK$1,751/mo
Today · 4.125%
HK$58,882
baseline
▲ 0.50% · 4.625%
HK$62,465
+HK$3,583/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,764/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,640
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,293
−HK$1,677/mo
Today · 4.125%
HK$64,970
baseline
▲ 0.50% · 4.625%
HK$68,395
+HK$3,425/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,940/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,489
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,557
−HK$2,101/mo
Today · 4.125%
HK$70,658
baseline
▲ 0.50% · 4.625%
HK$74,957
+HK$4,299/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,316/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,968
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,952
−HK$2,012/mo
Today · 4.125%
HK$77,964
baseline
▲ 0.50% · 4.625%
HK$82,074
+HK$4,110/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,928/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,570
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$79,983
−HK$2,451/mo
Today · 4.125%
HK$82,434
baseline
▲ 0.50% · 4.625%
HK$87,450
+HK$5,016/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,868/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,296
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,610
−HK$2,348/mo
Today · 4.125%
HK$90,958
baseline
▲ 0.50% · 4.625%
HK$95,753
+HK$4,795/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,916/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,733
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$102,835
−HK$3,152/mo
Today · 4.125%
HK$105,987
baseline
▲ 0.50% · 4.625%
HK$112,436
+HK$6,449/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$211,974/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,952
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$113,928
−HK$3,018/mo
Today · 4.125%
HK$116,946
baseline
▲ 0.50% · 4.625%
HK$123,111
+HK$6,165/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,892/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,694 · Scale 2, in force from 26 Feb 2026)