LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,145
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,860
−HK$1,743/mo
Today · 4.125%
HK$58,603
baseline
▲ 0.50% · 4.625%
HK$62,169
+HK$3,566/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,206/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,348
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$62,993
−HK$1,670/mo
Today · 4.125%
HK$64,663
baseline
▲ 0.50% · 4.625%
HK$68,071
+HK$3,408/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,326/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,174
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,232
−HK$2,091/mo
Today · 4.125%
HK$70,323
baseline
▲ 0.50% · 4.625%
HK$74,603
+HK$4,280/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$140,646/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,618
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,592
−HK$2,003/mo
Today · 4.125%
HK$77,595
baseline
▲ 0.50% · 4.625%
HK$81,685
+HK$4,090/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$155,190/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,203
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,604
−HK$2,440/mo
Today · 4.125%
HK$82,044
baseline
▲ 0.50% · 4.625%
HK$87,036
+HK$4,992/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,088/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,887
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,191
−HK$2,337/mo
Today · 4.125%
HK$90,528
baseline
▲ 0.50% · 4.625%
HK$95,299
+HK$4,771/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,056/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,261
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$102,348
−HK$3,137/mo
Today · 4.125%
HK$105,485
baseline
▲ 0.50% · 4.625%
HK$111,904
+HK$6,419/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$210,970/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,427
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$113,388
−HK$3,005/mo
Today · 4.125%
HK$116,393
baseline
▲ 0.50% · 4.625%
HK$122,528
+HK$6,135/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,786/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,804 · Scale 2, in force from 26 Feb 2026)