LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,109
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,823
−HK$1,742/mo
Today · 4.125%
HK$58,565
baseline
▲ 0.50% · 4.625%
HK$62,128
+HK$3,563/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,130/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,308
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,952
−HK$1,668/mo
Today · 4.125%
HK$64,620
baseline
▲ 0.50% · 4.625%
HK$68,026
+HK$3,406/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,240/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,131
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,188
−HK$2,090/mo
Today · 4.125%
HK$70,278
baseline
▲ 0.50% · 4.625%
HK$74,554
+HK$4,276/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,556/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,027,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,570
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,543
−HK$2,001/mo
Today · 4.125%
HK$77,544
baseline
▲ 0.50% · 4.625%
HK$81,632
+HK$4,088/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,088/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,027,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,152
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,552
−HK$2,438/mo
Today · 4.125%
HK$81,990
baseline
▲ 0.50% · 4.625%
HK$86,979
+HK$4,989/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$163,980/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,831
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,133
−HK$2,335/mo
Today · 4.125%
HK$90,468
baseline
▲ 0.50% · 4.625%
HK$95,237
+HK$4,769/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,936/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,196
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$102,281
−HK$3,135/mo
Today · 4.125%
HK$105,416
baseline
▲ 0.50% · 4.625%
HK$111,831
+HK$6,415/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,832/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,354
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,314
−HK$3,002/mo
Today · 4.125%
HK$116,316
baseline
▲ 0.50% · 4.625%
HK$122,448
+HK$6,132/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,632/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,132 · Scale 2, in force from 26 Feb 2026)