LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,155
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,871
−HK$1,743/mo
Today · 4.125%
HK$58,614
baseline
▲ 0.50% · 4.625%
HK$62,180
+HK$3,566/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,228/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,359
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,005
−HK$1,669/mo
Today · 4.125%
HK$64,674
baseline
▲ 0.50% · 4.625%
HK$68,083
+HK$3,409/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,348/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,186
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,245
−HK$2,091/mo
Today · 4.125%
HK$70,336
baseline
▲ 0.50% · 4.625%
HK$74,616
+HK$4,280/mo
Deposit HK$9.68M · loan HK$14.51M · min. income ≈ HK$140,672/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,631
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,606
−HK$2,003/mo
Today · 4.125%
HK$77,609
baseline
▲ 0.50% · 4.625%
HK$81,700
+HK$4,091/mo
Deposit HK$9.68M · loan HK$14.51M · min. income ≈ HK$155,218/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,217
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,619
−HK$2,440/mo
Today · 4.125%
HK$82,059
baseline
▲ 0.50% · 4.625%
HK$87,052
+HK$4,993/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,118/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,903
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,207
−HK$2,337/mo
Today · 4.125%
HK$90,544
baseline
▲ 0.50% · 4.625%
HK$95,317
+HK$4,773/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,088/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,279
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$102,367
−HK$3,138/mo
Today · 4.125%
HK$105,505
baseline
▲ 0.50% · 4.625%
HK$111,924
+HK$6,419/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$211,010/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,447
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$113,409
−HK$3,005/mo
Today · 4.125%
HK$116,414
baseline
▲ 0.50% · 4.625%
HK$122,550
+HK$6,136/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,828/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,993 · Scale 2, in force from 26 Feb 2026)