LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,104
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,818
−HK$1,741/mo
Today · 4.125%
HK$58,559
baseline
▲ 0.50% · 4.625%
HK$62,122
+HK$3,563/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,118/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,302
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,946
−HK$1,668/mo
Today · 4.125%
HK$64,614
baseline
▲ 0.50% · 4.625%
HK$68,020
+HK$3,406/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,228/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,125
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,181
−HK$2,090/mo
Today · 4.125%
HK$70,271
baseline
▲ 0.50% · 4.625%
HK$74,547
+HK$4,276/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,542/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,027,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,563
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,536
−HK$2,001/mo
Today · 4.125%
HK$77,537
baseline
▲ 0.50% · 4.625%
HK$81,624
+HK$4,087/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,074/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,027,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,145
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,545
−HK$2,438/mo
Today · 4.125%
HK$81,983
baseline
▲ 0.50% · 4.625%
HK$86,971
+HK$4,988/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$163,966/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,823
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,125
−HK$2,335/mo
Today · 4.125%
HK$90,460
baseline
▲ 0.50% · 4.625%
HK$95,228
+HK$4,768/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,920/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,187
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$102,272
−HK$3,135/mo
Today · 4.125%
HK$105,407
baseline
▲ 0.50% · 4.625%
HK$111,820
+HK$6,413/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,814/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,344
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,304
−HK$3,002/mo
Today · 4.125%
HK$116,306
baseline
▲ 0.50% · 4.625%
HK$122,437
+HK$6,131/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,612/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,039 · Scale 2, in force from 26 Feb 2026)