LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,415
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,138
−HK$1,752/mo
Today · 4.125%
HK$58,890
baseline
▲ 0.50% · 4.625%
HK$62,473
+HK$3,583/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,780/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,648
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,301
−HK$1,678/mo
Today · 4.125%
HK$64,979
baseline
▲ 0.50% · 4.625%
HK$68,404
+HK$3,425/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,958/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,497
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,566
−HK$2,101/mo
Today · 4.125%
HK$70,667
baseline
▲ 0.50% · 4.625%
HK$74,967
+HK$4,300/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,334/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,978
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,962
−HK$2,013/mo
Today · 4.125%
HK$77,975
baseline
▲ 0.50% · 4.625%
HK$82,085
+HK$4,110/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,950/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,580
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$79,994
−HK$2,451/mo
Today · 4.125%
HK$82,445
baseline
▲ 0.50% · 4.625%
HK$87,462
+HK$5,017/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,890/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,307
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,622
−HK$2,348/mo
Today · 4.125%
HK$90,970
baseline
▲ 0.50% · 4.625%
HK$95,765
+HK$4,795/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,940/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,746
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$102,849
−HK$3,152/mo
Today · 4.125%
HK$106,001
baseline
▲ 0.50% · 4.625%
HK$112,451
+HK$6,450/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$212,002/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,967
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,943
−HK$3,019/mo
Today · 4.125%
HK$116,962
baseline
▲ 0.50% · 4.625%
HK$123,127
+HK$6,165/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,924/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,831 · Scale 2, in force from 26 Feb 2026)