LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,411
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,135
−HK$1,751/mo
Today · 4.125%
HK$58,886
baseline
▲ 0.50% · 4.625%
HK$62,469
+HK$3,583/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,772/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,645
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,298
−HK$1,677/mo
Today · 4.125%
HK$64,975
baseline
▲ 0.50% · 4.625%
HK$68,400
+HK$3,425/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,950/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,494
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,562
−HK$2,101/mo
Today · 4.125%
HK$70,663
baseline
▲ 0.50% · 4.625%
HK$74,963
+HK$4,300/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,326/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,974
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,958
−HK$2,012/mo
Today · 4.125%
HK$77,970
baseline
▲ 0.50% · 4.625%
HK$82,080
+HK$4,110/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,940/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,576
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$79,989
−HK$2,452/mo
Today · 4.125%
HK$82,441
baseline
▲ 0.50% · 4.625%
HK$87,457
+HK$5,016/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,882/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,303
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,617
−HK$2,348/mo
Today · 4.125%
HK$90,965
baseline
▲ 0.50% · 4.625%
HK$95,760
+HK$4,795/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,930/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,741
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$102,843
−HK$3,152/mo
Today · 4.125%
HK$105,995
baseline
▲ 0.50% · 4.625%
HK$112,445
+HK$6,450/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$211,990/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,960
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,936
−HK$3,019/mo
Today · 4.125%
HK$116,955
baseline
▲ 0.50% · 4.625%
HK$123,120
+HK$6,165/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,910/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,773 · Scale 2, in force from 26 Feb 2026)