LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,110
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,824
−HK$1,742/mo
Today · 4.125%
HK$58,566
baseline
▲ 0.50% · 4.625%
HK$62,129
+HK$3,563/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,132/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,309
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,953
−HK$1,668/mo
Today · 4.125%
HK$64,621
baseline
▲ 0.50% · 4.625%
HK$68,028
+HK$3,407/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,242/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,132
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,189
−HK$2,090/mo
Today · 4.125%
HK$70,279
baseline
▲ 0.50% · 4.625%
HK$74,555
+HK$4,276/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,558/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,027,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,571
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,544
−HK$2,002/mo
Today · 4.125%
HK$77,546
baseline
▲ 0.50% · 4.625%
HK$81,633
+HK$4,087/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,092/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,027,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,154
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,553
−HK$2,439/mo
Today · 4.125%
HK$81,992
baseline
▲ 0.50% · 4.625%
HK$86,981
+HK$4,989/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$163,984/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,833
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,135
−HK$2,335/mo
Today · 4.125%
HK$90,470
baseline
▲ 0.50% · 4.625%
HK$95,239
+HK$4,769/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,940/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,197
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,283
−HK$3,135/mo
Today · 4.125%
HK$105,418
baseline
▲ 0.50% · 4.625%
HK$111,832
+HK$6,414/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,836/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,356
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,316
−HK$3,002/mo
Today · 4.125%
HK$116,318
baseline
▲ 0.50% · 4.625%
HK$122,450
+HK$6,132/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,636/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,148 · Scale 2, in force from 26 Feb 2026)