LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,541
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,268
−HK$1,756/mo
Today · 4.125%
HK$59,024
baseline
▲ 0.50% · 4.625%
HK$62,615
+HK$3,591/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,048/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,035,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,789
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,446
−HK$1,681/mo
Today · 4.125%
HK$65,127
baseline
▲ 0.50% · 4.625%
HK$68,560
+HK$3,433/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,254/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,035,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,649
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$68,722
−HK$2,106/mo
Today · 4.125%
HK$70,828
baseline
▲ 0.50% · 4.625%
HK$75,138
+HK$4,310/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,656/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,146
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,135
−HK$2,017/mo
Today · 4.125%
HK$78,152
baseline
▲ 0.50% · 4.625%
HK$82,272
+HK$4,120/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,304/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,757
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$80,176
−HK$2,457/mo
Today · 4.125%
HK$82,633
baseline
▲ 0.50% · 4.625%
HK$87,661
+HK$5,028/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$165,266/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,504
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,824
−HK$2,354/mo
Today · 4.125%
HK$91,178
baseline
▲ 0.50% · 4.625%
HK$95,984
+HK$4,806/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$182,356/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,973
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$103,083
−HK$3,160/mo
Today · 4.125%
HK$106,243
baseline
▲ 0.50% · 4.625%
HK$112,707
+HK$6,464/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$212,486/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,220
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$114,202
−HK$3,026/mo
Today · 4.125%
HK$117,228
baseline
▲ 0.50% · 4.625%
HK$123,408
+HK$6,180/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$234,456/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,185 · Scale 2, in force from 26 Feb 2026)