LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,420
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,143
−HK$1,752/mo
Today · 4.125%
HK$58,895
baseline
▲ 0.50% · 4.625%
HK$62,478
+HK$3,583/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,790/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,654
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,307
−HK$1,678/mo
Today · 4.125%
HK$64,985
baseline
▲ 0.50% · 4.625%
HK$68,410
+HK$3,425/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,970/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,503
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,572
−HK$2,102/mo
Today · 4.125%
HK$70,674
baseline
▲ 0.50% · 4.625%
HK$74,974
+HK$4,300/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,348/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,984
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,969
−HK$2,013/mo
Today · 4.125%
HK$77,982
baseline
▲ 0.50% · 4.625%
HK$82,092
+HK$4,110/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,964/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,587
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,001
−HK$2,452/mo
Today · 4.125%
HK$82,453
baseline
▲ 0.50% · 4.625%
HK$87,470
+HK$5,017/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,906/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,315
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,630
−HK$2,348/mo
Today · 4.125%
HK$90,978
baseline
▲ 0.50% · 4.625%
HK$95,774
+HK$4,796/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,956/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,755
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$102,858
−HK$3,153/mo
Today · 4.125%
HK$106,011
baseline
▲ 0.50% · 4.625%
HK$112,461
+HK$6,450/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$212,022/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,977
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,953
−HK$3,019/mo
Today · 4.125%
HK$116,972
baseline
▲ 0.50% · 4.625%
HK$123,138
+HK$6,166/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,944/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,924 · Scale 2, in force from 26 Feb 2026)