LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,123
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,837
−HK$1,743/mo
Today · 4.125%
HK$58,580
baseline
▲ 0.50% · 4.625%
HK$62,144
+HK$3,564/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,160/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,324
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,968
−HK$1,669/mo
Today · 4.125%
HK$64,637
baseline
▲ 0.50% · 4.625%
HK$68,044
+HK$3,407/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,274/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,147
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,205
−HK$2,090/mo
Today · 4.125%
HK$70,295
baseline
▲ 0.50% · 4.625%
HK$74,573
+HK$4,278/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,590/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,588
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,562
−HK$2,002/mo
Today · 4.125%
HK$77,564
baseline
▲ 0.50% · 4.625%
HK$81,653
+HK$4,089/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,128/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,172
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,572
−HK$2,439/mo
Today · 4.125%
HK$82,011
baseline
▲ 0.50% · 4.625%
HK$87,002
+HK$4,991/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$164,022/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,853
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,156
−HK$2,335/mo
Today · 4.125%
HK$90,491
baseline
▲ 0.50% · 4.625%
HK$95,261
+HK$4,770/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,982/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,221
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$102,307
−HK$3,136/mo
Today · 4.125%
HK$105,443
baseline
▲ 0.50% · 4.625%
HK$111,859
+HK$6,416/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$210,886/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,383
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$113,343
−HK$3,003/mo
Today · 4.125%
HK$116,346
baseline
▲ 0.50% · 4.625%
HK$122,479
+HK$6,133/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$232,692/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,394 · Scale 2, in force from 26 Feb 2026)