LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,119
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,834
−HK$1,742/mo
Today · 4.125%
HK$58,576
baseline
▲ 0.50% · 4.625%
HK$62,140
+HK$3,564/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,152/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,320
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,964
−HK$1,669/mo
Today · 4.125%
HK$64,633
baseline
▲ 0.50% · 4.625%
HK$68,040
+HK$3,407/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,266/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,143
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,201
−HK$2,090/mo
Today · 4.125%
HK$70,291
baseline
▲ 0.50% · 4.625%
HK$74,568
+HK$4,277/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,582/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,584
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,557
−HK$2,002/mo
Today · 4.125%
HK$77,559
baseline
▲ 0.50% · 4.625%
HK$81,647
+HK$4,088/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,118/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,167
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,568
−HK$2,438/mo
Today · 4.125%
HK$82,006
baseline
▲ 0.50% · 4.625%
HK$86,996
+HK$4,990/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$164,012/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,848
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,150
−HK$2,336/mo
Today · 4.125%
HK$90,486
baseline
▲ 0.50% · 4.625%
HK$95,255
+HK$4,769/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,972/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,215
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$102,301
−HK$3,136/mo
Today · 4.125%
HK$105,437
baseline
▲ 0.50% · 4.625%
HK$111,852
+HK$6,415/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$210,874/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,376
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$113,336
−HK$3,003/mo
Today · 4.125%
HK$116,339
baseline
▲ 0.50% · 4.625%
HK$122,471
+HK$6,132/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$232,678/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,330 · Scale 2, in force from 26 Feb 2026)