LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,408
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,132
−HK$1,751/mo
Today · 4.125%
HK$58,883
baseline
▲ 0.50% · 4.625%
HK$62,466
+HK$3,583/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,766/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,641
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,295
−HK$1,677/mo
Today · 4.125%
HK$64,972
baseline
▲ 0.50% · 4.625%
HK$68,396
+HK$3,424/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,944/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,490
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,558
−HK$2,102/mo
Today · 4.125%
HK$70,660
baseline
▲ 0.50% · 4.625%
HK$74,959
+HK$4,299/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,320/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,970
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,953
−HK$2,013/mo
Today · 4.125%
HK$77,966
baseline
▲ 0.50% · 4.625%
HK$82,076
+HK$4,110/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,932/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,572
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$79,985
−HK$2,451/mo
Today · 4.125%
HK$82,436
baseline
▲ 0.50% · 4.625%
HK$87,452
+HK$5,016/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,872/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,298
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,612
−HK$2,348/mo
Today · 4.125%
HK$90,960
baseline
▲ 0.50% · 4.625%
HK$95,755
+HK$4,795/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,920/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,735
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$102,838
−HK$3,151/mo
Today · 4.125%
HK$105,989
baseline
▲ 0.50% · 4.625%
HK$112,439
+HK$6,450/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$211,978/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,954
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,930
−HK$3,019/mo
Today · 4.125%
HK$116,949
baseline
▲ 0.50% · 4.625%
HK$123,113
+HK$6,164/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,898/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,717 · Scale 2, in force from 26 Feb 2026)