LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,438
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,163
−HK$1,752/mo
Today · 4.125%
HK$58,915
baseline
▲ 0.50% · 4.625%
HK$62,499
+HK$3,584/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,830/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,674
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,328
−HK$1,678/mo
Today · 4.125%
HK$65,006
baseline
▲ 0.50% · 4.625%
HK$68,433
+HK$3,427/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,012/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,526
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,595
−HK$2,103/mo
Today · 4.125%
HK$70,698
baseline
▲ 0.50% · 4.625%
HK$74,999
+HK$4,301/mo
Deposit HK$9.72M · loan HK$14.59M · min. income ≈ HK$141,396/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,009
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$75,994
−HK$2,014/mo
Today · 4.125%
HK$78,008
baseline
▲ 0.50% · 4.625%
HK$82,120
+HK$4,112/mo
Deposit HK$9.72M · loan HK$14.59M · min. income ≈ HK$156,016/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,613
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$80,028
−HK$2,452/mo
Today · 4.125%
HK$82,480
baseline
▲ 0.50% · 4.625%
HK$87,499
+HK$5,019/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$164,960/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,344
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,660
−HK$2,349/mo
Today · 4.125%
HK$91,009
baseline
▲ 0.50% · 4.625%
HK$95,806
+HK$4,797/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$182,018/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,789
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$102,893
−HK$3,153/mo
Today · 4.125%
HK$106,046
baseline
▲ 0.50% · 4.625%
HK$112,499
+HK$6,453/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,092/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,014
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$113,991
−HK$3,021/mo
Today · 4.125%
HK$117,012
baseline
▲ 0.50% · 4.625%
HK$123,180
+HK$6,168/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$234,024/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,271 · Scale 2, in force from 26 Feb 2026)