LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,424
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,148
−HK$1,751/mo
Today · 4.125%
HK$58,899
baseline
▲ 0.50% · 4.625%
HK$62,483
+HK$3,584/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,798/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,658
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,312
−HK$1,678/mo
Today · 4.125%
HK$64,990
baseline
▲ 0.50% · 4.625%
HK$68,415
+HK$3,425/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,980/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,509
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,577
−HK$2,102/mo
Today · 4.125%
HK$70,679
baseline
▲ 0.50% · 4.625%
HK$74,980
+HK$4,301/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,358/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,990
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,974
−HK$2,014/mo
Today · 4.125%
HK$77,988
baseline
▲ 0.50% · 4.625%
HK$82,098
+HK$4,110/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,976/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,593
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,007
−HK$2,452/mo
Today · 4.125%
HK$82,459
baseline
▲ 0.50% · 4.625%
HK$87,477
+HK$5,018/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,918/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,033,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,322
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,637
−HK$2,348/mo
Today · 4.125%
HK$90,985
baseline
▲ 0.50% · 4.625%
HK$95,781
+HK$4,796/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,970/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,033,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,763
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$102,866
−HK$3,153/mo
Today · 4.125%
HK$106,019
baseline
▲ 0.50% · 4.625%
HK$112,470
+HK$6,451/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,038/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,985
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$113,962
−HK$3,019/mo
Today · 4.125%
HK$116,981
baseline
▲ 0.50% · 4.625%
HK$123,148
+HK$6,167/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$233,962/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,003 · Scale 2, in force from 26 Feb 2026)