LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,127
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,841
−HK$1,743/mo
Today · 4.125%
HK$58,584
baseline
▲ 0.50% · 4.625%
HK$62,148
+HK$3,564/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,168/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,328
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,973
−HK$1,668/mo
Today · 4.125%
HK$64,641
baseline
▲ 0.50% · 4.625%
HK$68,049
+HK$3,408/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,282/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,152
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,210
−HK$2,090/mo
Today · 4.125%
HK$70,300
baseline
▲ 0.50% · 4.625%
HK$74,578
+HK$4,278/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$140,600/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,594
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,567
−HK$2,003/mo
Today · 4.125%
HK$77,570
baseline
▲ 0.50% · 4.625%
HK$81,658
+HK$4,088/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$155,140/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,177
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,578
−HK$2,439/mo
Today · 4.125%
HK$82,017
baseline
▲ 0.50% · 4.625%
HK$87,008
+HK$4,991/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$164,034/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,859
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,162
−HK$2,336/mo
Today · 4.125%
HK$90,498
baseline
▲ 0.50% · 4.625%
HK$95,268
+HK$4,770/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,996/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,228
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$102,315
−HK$3,136/mo
Today · 4.125%
HK$105,451
baseline
▲ 0.50% · 4.625%
HK$111,867
+HK$6,416/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$210,902/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,390
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$113,351
−HK$3,003/mo
Today · 4.125%
HK$116,354
baseline
▲ 0.50% · 4.625%
HK$122,488
+HK$6,134/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$232,708/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,467 · Scale 2, in force from 26 Feb 2026)