LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,142
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,857
−HK$1,742/mo
Today · 4.125%
HK$58,599
baseline
▲ 0.50% · 4.625%
HK$62,165
+HK$3,566/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,198/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,344
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$62,990
−HK$1,669/mo
Today · 4.125%
HK$64,659
baseline
▲ 0.50% · 4.625%
HK$68,067
+HK$3,408/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,318/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,170
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,228
−HK$2,091/mo
Today · 4.125%
HK$70,319
baseline
▲ 0.50% · 4.625%
HK$74,598
+HK$4,279/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$140,638/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,613
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,588
−HK$2,002/mo
Today · 4.125%
HK$77,590
baseline
▲ 0.50% · 4.625%
HK$81,680
+HK$4,090/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$155,180/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,198
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,599
−HK$2,440/mo
Today · 4.125%
HK$82,039
baseline
▲ 0.50% · 4.625%
HK$87,031
+HK$4,992/mo
Deposit HK$7.25M · loan HK$16.93M · min. income ≈ HK$164,078/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,882
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,185
−HK$2,337/mo
Today · 4.125%
HK$90,522
baseline
▲ 0.50% · 4.625%
HK$95,294
+HK$4,772/mo
Deposit HK$7.25M · loan HK$16.93M · min. income ≈ HK$181,044/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,255
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$102,342
−HK$3,137/mo
Today · 4.125%
HK$105,479
baseline
▲ 0.50% · 4.625%
HK$111,897
+HK$6,418/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$210,958/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,420
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$113,381
−HK$3,005/mo
Today · 4.125%
HK$116,386
baseline
▲ 0.50% · 4.625%
HK$122,520
+HK$6,134/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$232,772/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,742 · Scale 2, in force from 26 Feb 2026)