LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,146
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,861
−HK$1,743/mo
Today · 4.125%
HK$58,604
baseline
▲ 0.50% · 4.625%
HK$62,170
+HK$3,566/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,208/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,349
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,994
−HK$1,669/mo
Today · 4.125%
HK$64,663
baseline
▲ 0.50% · 4.625%
HK$68,072
+HK$3,409/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$1,027,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,175
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,233
−HK$2,091/mo
Today · 4.125%
HK$70,324
baseline
▲ 0.50% · 4.625%
HK$74,604
+HK$4,280/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$140,648/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,619
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,593
−HK$2,003/mo
Today · 4.125%
HK$77,596
baseline
▲ 0.50% · 4.625%
HK$81,686
+HK$4,090/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$155,192/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,204
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,605
−HK$2,440/mo
Today · 4.125%
HK$82,045
baseline
▲ 0.50% · 4.625%
HK$87,037
+HK$4,992/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,090/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,888
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,192
−HK$2,337/mo
Today · 4.125%
HK$90,529
baseline
▲ 0.50% · 4.625%
HK$95,301
+HK$4,772/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,058/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,262
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$102,350
−HK$3,137/mo
Today · 4.125%
HK$105,487
baseline
▲ 0.50% · 4.625%
HK$111,905
+HK$6,418/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$210,974/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,428
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$113,390
−HK$3,004/mo
Today · 4.125%
HK$116,394
baseline
▲ 0.50% · 4.625%
HK$122,529
+HK$6,135/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,788/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,818 · Scale 2, in force from 26 Feb 2026)