LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,117
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,831
−HK$1,742/mo
Today · 4.125%
HK$58,573
baseline
▲ 0.50% · 4.625%
HK$62,137
+HK$3,564/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,146/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,317
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,961
−HK$1,668/mo
Today · 4.125%
HK$64,629
baseline
▲ 0.50% · 4.625%
HK$68,036
+HK$3,407/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,258/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,140
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,197
−HK$2,091/mo
Today · 4.125%
HK$70,288
baseline
▲ 0.50% · 4.625%
HK$74,564
+HK$4,276/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,576/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,580
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,553
−HK$2,002/mo
Today · 4.125%
HK$77,555
baseline
▲ 0.50% · 4.625%
HK$81,643
+HK$4,088/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,110/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,163
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,564
−HK$2,438/mo
Today · 4.125%
HK$82,002
baseline
▲ 0.50% · 4.625%
HK$86,992
+HK$4,990/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$164,004/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,843
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,146
−HK$2,335/mo
Today · 4.125%
HK$90,481
baseline
▲ 0.50% · 4.625%
HK$95,251
+HK$4,770/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,962/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,210
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,296
−HK$3,135/mo
Today · 4.125%
HK$105,431
baseline
▲ 0.50% · 4.625%
HK$111,847
+HK$6,416/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,862/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,370
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$113,330
−HK$3,003/mo
Today · 4.125%
HK$116,333
baseline
▲ 0.50% · 4.625%
HK$122,465
+HK$6,132/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,666/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,279 · Scale 2, in force from 26 Feb 2026)