LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,110
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,825
−HK$1,741/mo
Today · 4.125%
HK$58,566
baseline
▲ 0.50% · 4.625%
HK$62,130
+HK$3,564/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$1,027,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,310
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,954
−HK$1,668/mo
Today · 4.125%
HK$64,622
baseline
▲ 0.50% · 4.625%
HK$68,028
+HK$3,406/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,244/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,132
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,190
−HK$2,090/mo
Today · 4.125%
HK$70,280
baseline
▲ 0.50% · 4.625%
HK$74,556
+HK$4,276/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,560/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,027,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,572
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,545
−HK$2,002/mo
Today · 4.125%
HK$77,547
baseline
▲ 0.50% · 4.625%
HK$81,634
+HK$4,087/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,094/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,027,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,154
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,554
−HK$2,439/mo
Today · 4.125%
HK$81,993
baseline
▲ 0.50% · 4.625%
HK$86,982
+HK$4,989/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$163,986/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,834
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,136
−HK$2,335/mo
Today · 4.125%
HK$90,471
baseline
▲ 0.50% · 4.625%
HK$95,240
+HK$4,769/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,942/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,199
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$102,284
−HK$3,135/mo
Today · 4.125%
HK$105,419
baseline
▲ 0.50% · 4.625%
HK$111,834
+HK$6,415/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,838/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,357
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$113,317
−HK$3,003/mo
Today · 4.125%
HK$116,320
baseline
▲ 0.50% · 4.625%
HK$122,451
+HK$6,131/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,640/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,161 · Scale 2, in force from 26 Feb 2026)