LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,120
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,834
−HK$1,742/mo
Today · 4.125%
HK$58,576
baseline
▲ 0.50% · 4.625%
HK$62,141
+HK$3,565/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$1,027,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,320
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,965
−HK$1,668/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$1,027,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,144
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,201
−HK$2,091/mo
Today · 4.125%
HK$70,292
baseline
▲ 0.50% · 4.625%
HK$74,569
+HK$4,277/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,584/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,584
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,558
−HK$2,002/mo
Today · 4.125%
HK$77,560
baseline
▲ 0.50% · 4.625%
HK$81,648
+HK$4,088/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,120/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,168
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,568
−HK$2,439/mo
Today · 4.125%
HK$82,007
baseline
▲ 0.50% · 4.625%
HK$86,997
+HK$4,990/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$164,014/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,848
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,151
−HK$2,335/mo
Today · 4.125%
HK$90,486
baseline
▲ 0.50% · 4.625%
HK$95,256
+HK$4,770/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$1,027,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,216
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,302
−HK$3,135/mo
Today · 4.125%
HK$105,437
baseline
▲ 0.50% · 4.625%
HK$111,853
+HK$6,416/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$1,027,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,376
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$113,337
−HK$3,003/mo
Today · 4.125%
HK$116,340
baseline
▲ 0.50% · 4.625%
HK$122,472
+HK$6,132/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$232,680/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,338 · Scale 2, in force from 26 Feb 2026)