LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,152
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,867
−HK$1,743/mo
Today · 4.125%
HK$58,610
baseline
▲ 0.50% · 4.625%
HK$62,177
+HK$3,567/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,220/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,356
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,002
−HK$1,669/mo
Today · 4.125%
HK$64,671
baseline
▲ 0.50% · 4.625%
HK$68,080
+HK$3,409/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,342/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,182
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,241
−HK$2,092/mo
Today · 4.125%
HK$70,333
baseline
▲ 0.50% · 4.625%
HK$74,612
+HK$4,279/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$140,666/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,627
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,602
−HK$2,003/mo
Today · 4.125%
HK$77,605
baseline
▲ 0.50% · 4.625%
HK$81,696
+HK$4,091/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$155,210/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,213
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,614
−HK$2,441/mo
Today · 4.125%
HK$82,055
baseline
▲ 0.50% · 4.625%
HK$87,047
+HK$4,992/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,110/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,898
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,202
−HK$2,337/mo
Today · 4.125%
HK$90,539
baseline
▲ 0.50% · 4.625%
HK$95,312
+HK$4,773/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,078/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,273
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$102,361
−HK$3,138/mo
Today · 4.125%
HK$105,499
baseline
▲ 0.50% · 4.625%
HK$111,918
+HK$6,419/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$210,998/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,441
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$113,403
−HK$3,005/mo
Today · 4.125%
HK$116,408
baseline
▲ 0.50% · 4.625%
HK$122,544
+HK$6,136/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,816/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,936 · Scale 2, in force from 26 Feb 2026)