LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,104
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,818
−HK$1,742/mo
Today · 4.125%
HK$58,560
baseline
▲ 0.50% · 4.625%
HK$62,123
+HK$3,563/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,120/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,303
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,947
−HK$1,668/mo
Today · 4.125%
HK$64,615
baseline
▲ 0.50% · 4.625%
HK$68,021
+HK$3,406/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,230/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,125
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,182
−HK$2,090/mo
Today · 4.125%
HK$70,272
baseline
▲ 0.50% · 4.625%
HK$74,547
+HK$4,275/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,544/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,027,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,563
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,536
−HK$2,002/mo
Today · 4.125%
HK$77,538
baseline
▲ 0.50% · 4.625%
HK$81,625
+HK$4,087/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,076/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,027,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,146
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,546
−HK$2,438/mo
Today · 4.125%
HK$81,984
baseline
▲ 0.50% · 4.625%
HK$86,972
+HK$4,988/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$163,968/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,824
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,126
−HK$2,335/mo
Today · 4.125%
HK$90,461
baseline
▲ 0.50% · 4.625%
HK$95,229
+HK$4,768/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,922/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,188
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$102,273
−HK$3,134/mo
Today · 4.125%
HK$105,407
baseline
▲ 0.50% · 4.625%
HK$111,821
+HK$6,414/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$1,027,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,345
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,305
−HK$3,002/mo
Today · 4.125%
HK$116,307
baseline
▲ 0.50% · 4.625%
HK$122,437
+HK$6,130/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,614/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,046 · Scale 2, in force from 26 Feb 2026)