LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,151
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,866
−HK$1,743/mo
Today · 4.125%
HK$58,609
baseline
▲ 0.50% · 4.625%
HK$62,175
+HK$3,566/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,218/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,354
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,000
−HK$1,669/mo
Today · 4.125%
HK$64,669
baseline
▲ 0.50% · 4.625%
HK$68,078
+HK$3,409/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,338/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,181
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,239
−HK$2,092/mo
Today · 4.125%
HK$70,331
baseline
▲ 0.50% · 4.625%
HK$74,610
+HK$4,279/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$140,662/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,625
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,600
−HK$2,003/mo
Today · 4.125%
HK$77,603
baseline
▲ 0.50% · 4.625%
HK$81,694
+HK$4,091/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$155,206/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,211
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,613
−HK$2,440/mo
Today · 4.125%
HK$82,053
baseline
▲ 0.50% · 4.625%
HK$87,045
+HK$4,992/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,106/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,896
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,200
−HK$2,337/mo
Today · 4.125%
HK$90,537
baseline
▲ 0.50% · 4.625%
HK$95,309
+HK$4,772/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,074/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,271
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$102,359
−HK$3,137/mo
Today · 4.125%
HK$105,496
baseline
▲ 0.50% · 4.625%
HK$111,915
+HK$6,419/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$210,992/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,438
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$113,400
−HK$3,005/mo
Today · 4.125%
HK$116,405
baseline
▲ 0.50% · 4.625%
HK$122,541
+HK$6,136/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,810/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,912 · Scale 2, in force from 26 Feb 2026)