LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,118
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,832
−HK$1,742/mo
Today · 4.125%
HK$58,574
baseline
▲ 0.50% · 4.625%
HK$62,139
+HK$3,565/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$1,027,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,318
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,963
−HK$1,668/mo
Today · 4.125%
HK$64,631
baseline
▲ 0.50% · 4.625%
HK$68,038
+HK$3,407/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,262/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,142
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,199
−HK$2,090/mo
Today · 4.125%
HK$70,289
baseline
▲ 0.50% · 4.625%
HK$74,566
+HK$4,277/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,578/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,582
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,555
−HK$2,002/mo
Today · 4.125%
HK$77,557
baseline
▲ 0.50% · 4.625%
HK$81,645
+HK$4,088/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,114/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,165
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,565
−HK$2,439/mo
Today · 4.125%
HK$82,004
baseline
▲ 0.50% · 4.625%
HK$86,994
+HK$4,990/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$164,008/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,846
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,148
−HK$2,335/mo
Today · 4.125%
HK$90,483
baseline
▲ 0.50% · 4.625%
HK$95,253
+HK$4,770/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,966/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,212
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$102,298
−HK$3,136/mo
Today · 4.125%
HK$105,434
baseline
▲ 0.50% · 4.625%
HK$111,849
+HK$6,415/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,868/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,373
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$113,333
−HK$3,003/mo
Today · 4.125%
HK$116,336
baseline
▲ 0.50% · 4.625%
HK$122,468
+HK$6,132/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,672/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,304 · Scale 2, in force from 26 Feb 2026)