LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,158
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,874
−HK$1,743/mo
Today · 4.125%
HK$58,617
baseline
▲ 0.50% · 4.625%
HK$62,184
+HK$3,567/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$1,028,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,363
−HK$3,315/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$1,028,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,190
−HK$4,150/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$1,028,048 · 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$81,705
+HK$4,092/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$1,028,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,221
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,623
−HK$2,441/mo
Today · 4.125%
HK$82,064
baseline
▲ 0.50% · 4.625%
HK$87,057
+HK$4,993/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,128/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,028,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,908
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,212
−HK$2,337/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$1,028,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,284
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$102,373
−HK$3,137/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$1,028,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,453
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$113,415
−HK$3,005/mo
Today · 4.125%
HK$116,420
baseline
▲ 0.50% · 4.625%
HK$122,557
+HK$6,137/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$1,028,048 · Scale 2, in force from 26 Feb 2026)