LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,424
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,148
−HK$1,752/mo
Today · 4.125%
HK$58,900
baseline
▲ 0.50% · 4.625%
HK$62,484
+HK$3,584/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,800/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,659
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,312
−HK$1,678/mo
Today · 4.125%
HK$64,990
baseline
▲ 0.50% · 4.625%
HK$68,416
+HK$3,426/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$1,033,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,509
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,578
−HK$2,102/mo
Today · 4.125%
HK$70,680
baseline
▲ 0.50% · 4.625%
HK$74,980
+HK$4,300/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,360/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,990
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,975
−HK$2,013/mo
Today · 4.125%
HK$77,988
baseline
▲ 0.50% · 4.625%
HK$82,099
+HK$4,111/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$1,033,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,594
−HK$4,865/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$1,033,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,322
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,637
−HK$2,349/mo
Today · 4.125%
HK$90,986
baseline
▲ 0.50% · 4.625%
HK$95,782
+HK$4,796/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,972/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,033,008 · 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$1,033,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,986
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$113,962
−HK$3,020/mo
Today · 4.125%
HK$116,982
baseline
▲ 0.50% · 4.625%
HK$123,148
+HK$6,166/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$233,964/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,008 · Scale 2, in force from 26 Feb 2026)