LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,158
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,873
−HK$1,744/mo
Today · 4.125%
HK$58,617
baseline
▲ 0.50% · 4.625%
HK$62,183
+HK$3,566/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,234/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,362
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,008
−HK$1,670/mo
Today · 4.125%
HK$64,678
baseline
▲ 0.50% · 4.625%
HK$68,087
+HK$3,409/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,356/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,189
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,248
−HK$2,092/mo
Today · 4.125%
HK$70,340
baseline
▲ 0.50% · 4.625%
HK$74,620
+HK$4,280/mo
Deposit HK$9.68M · loan HK$14.51M · min. income ≈ HK$140,680/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,028,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,635
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,610
−HK$2,003/mo
Today · 4.125%
HK$77,613
baseline
▲ 0.50% · 4.625%
HK$81,704
+HK$4,091/mo
Deposit HK$9.68M · loan HK$14.51M · min. income ≈ HK$155,226/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,028,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,221
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,623
−HK$2,440/mo
Today · 4.125%
HK$82,063
baseline
▲ 0.50% · 4.625%
HK$87,057
+HK$4,994/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,126/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,028,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,907
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,211
−HK$2,338/mo
Today · 4.125%
HK$90,549
baseline
▲ 0.50% · 4.625%
HK$95,322
+HK$4,773/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,098/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,028,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,284
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$102,372
−HK$3,138/mo
Today · 4.125%
HK$105,510
baseline
▲ 0.50% · 4.625%
HK$111,930
+HK$6,420/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$211,020/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,452
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$113,415
−HK$3,005/mo
Today · 4.125%
HK$116,420
baseline
▲ 0.50% · 4.625%
HK$122,556
+HK$6,136/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,840/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,045 · Scale 2, in force from 26 Feb 2026)