LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,112
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,826
−HK$1,742/mo
Today · 4.125%
HK$58,568
baseline
▲ 0.50% · 4.625%
HK$62,131
+HK$3,563/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,136/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,311
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,955
−HK$1,668/mo
Today · 4.125%
HK$64,623
baseline
▲ 0.50% · 4.625%
HK$68,030
+HK$3,407/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,246/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,134
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,191
−HK$2,090/mo
Today · 4.125%
HK$70,281
baseline
▲ 0.50% · 4.625%
HK$74,557
+HK$4,276/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,562/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,027,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,573
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,546
−HK$2,002/mo
Today · 4.125%
HK$77,548
baseline
▲ 0.50% · 4.625%
HK$81,636
+HK$4,088/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,096/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,027,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,156
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,556
−HK$2,439/mo
Today · 4.125%
HK$81,995
baseline
▲ 0.50% · 4.625%
HK$86,984
+HK$4,989/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$163,990/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,835
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,137
−HK$2,336/mo
Today · 4.125%
HK$90,473
baseline
▲ 0.50% · 4.625%
HK$95,242
+HK$4,769/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,946/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,201
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,286
−HK$3,136/mo
Today · 4.125%
HK$105,422
baseline
▲ 0.50% · 4.625%
HK$111,836
+HK$6,414/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,844/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,360
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,320
−HK$3,002/mo
Today · 4.125%
HK$116,322
baseline
▲ 0.50% · 4.625%
HK$122,454
+HK$6,132/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,644/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,183 · Scale 2, in force from 26 Feb 2026)