LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,119
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,833
−HK$1,742/mo
Today · 4.125%
HK$58,575
baseline
▲ 0.50% · 4.625%
HK$62,139
+HK$3,564/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,150/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,319
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,964
−HK$1,668/mo
Today · 4.125%
HK$64,632
baseline
▲ 0.50% · 4.625%
HK$68,039
+HK$3,407/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,264/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,143
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,200
−HK$2,090/mo
Today · 4.125%
HK$70,290
baseline
▲ 0.50% · 4.625%
HK$74,567
+HK$4,277/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,580/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,583
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,556
−HK$2,002/mo
Today · 4.125%
HK$77,558
baseline
▲ 0.50% · 4.625%
HK$81,647
+HK$4,089/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,116/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,166
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,567
−HK$2,438/mo
Today · 4.125%
HK$82,005
baseline
▲ 0.50% · 4.625%
HK$86,995
+HK$4,990/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$164,010/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,847
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,149
−HK$2,336/mo
Today · 4.125%
HK$90,485
baseline
▲ 0.50% · 4.625%
HK$95,254
+HK$4,769/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,970/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,214
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,300
−HK$3,135/mo
Today · 4.125%
HK$105,435
baseline
▲ 0.50% · 4.625%
HK$111,851
+HK$6,416/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,870/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,374
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$113,335
−HK$3,003/mo
Today · 4.125%
HK$116,338
baseline
▲ 0.50% · 4.625%
HK$122,470
+HK$6,132/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,676/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,319 · Scale 2, in force from 26 Feb 2026)