LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,425
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,150
−HK$1,751/mo
Today · 4.125%
HK$58,901
baseline
▲ 0.50% · 4.625%
HK$62,485
+HK$3,584/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,802/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,660
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,314
−HK$1,678/mo
Today · 4.125%
HK$64,992
baseline
▲ 0.50% · 4.625%
HK$68,417
+HK$3,425/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,984/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,511
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,579
−HK$2,102/mo
Today · 4.125%
HK$70,681
baseline
▲ 0.50% · 4.625%
HK$74,982
+HK$4,301/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,362/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,992
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,977
−HK$2,013/mo
Today · 4.125%
HK$77,990
baseline
▲ 0.50% · 4.625%
HK$82,101
+HK$4,111/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,980/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,596
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,009
−HK$2,453/mo
Today · 4.125%
HK$82,462
baseline
▲ 0.50% · 4.625%
HK$87,479
+HK$5,017/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,924/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,324
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,640
−HK$2,348/mo
Today · 4.125%
HK$90,988
baseline
▲ 0.50% · 4.625%
HK$95,784
+HK$4,796/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,976/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,766
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$102,869
−HK$3,153/mo
Today · 4.125%
HK$106,022
baseline
▲ 0.50% · 4.625%
HK$112,473
+HK$6,451/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,044/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,988
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$113,965
−HK$3,020/mo
Today · 4.125%
HK$116,985
baseline
▲ 0.50% · 4.625%
HK$123,151
+HK$6,166/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$233,970/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,034 · Scale 2, in force from 26 Feb 2026)