LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,117
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,832
−HK$1,742/mo
Today · 4.125%
HK$58,574
baseline
▲ 0.50% · 4.625%
HK$62,138
+HK$3,564/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,148/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,317
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,962
−HK$1,668/mo
Today · 4.125%
HK$64,630
baseline
▲ 0.50% · 4.625%
HK$68,037
+HK$3,407/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,260/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,141
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,198
−HK$2,090/mo
Today · 4.125%
HK$70,288
baseline
▲ 0.50% · 4.625%
HK$74,565
+HK$4,277/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$1,027,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,581
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,554
−HK$2,002/mo
Today · 4.125%
HK$77,556
baseline
▲ 0.50% · 4.625%
HK$81,644
+HK$4,088/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,112/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,164
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,565
−HK$2,438/mo
Today · 4.125%
HK$82,003
baseline
▲ 0.50% · 4.625%
HK$86,993
+HK$4,990/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$164,006/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,844
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,147
−HK$2,335/mo
Today · 4.125%
HK$90,482
baseline
▲ 0.50% · 4.625%
HK$95,252
+HK$4,770/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,964/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,211
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$102,297
−HK$3,136/mo
Today · 4.125%
HK$105,433
baseline
▲ 0.50% · 4.625%
HK$111,848
+HK$6,415/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,866/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,371
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$113,332
−HK$3,003/mo
Today · 4.125%
HK$116,335
baseline
▲ 0.50% · 4.625%
HK$122,467
+HK$6,132/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,670/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,292 · Scale 2, in force from 26 Feb 2026)