LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,161
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,877
−HK$1,743/mo
Today · 4.125%
HK$58,620
baseline
▲ 0.50% · 4.625%
HK$62,187
+HK$3,567/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,240/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,366
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,012
−HK$1,670/mo
Today · 4.125%
HK$64,682
baseline
▲ 0.50% · 4.625%
HK$68,091
+HK$3,409/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,364/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,193
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,252
−HK$2,092/mo
Today · 4.125%
HK$70,344
baseline
▲ 0.50% · 4.625%
HK$74,625
+HK$4,281/mo
Deposit HK$9.68M · loan HK$14.51M · min. income ≈ HK$140,688/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,028,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,639
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,614
−HK$2,004/mo
Today · 4.125%
HK$77,618
baseline
▲ 0.50% · 4.625%
HK$81,709
+HK$4,091/mo
Deposit HK$9.68M · loan HK$14.51M · min. income ≈ HK$155,236/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,028,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,226
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,628
−HK$2,440/mo
Today · 4.125%
HK$82,068
baseline
▲ 0.50% · 4.625%
HK$87,062
+HK$4,994/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,136/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,913
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,217
−HK$2,337/mo
Today · 4.125%
HK$90,554
baseline
▲ 0.50% · 4.625%
HK$95,328
+HK$4,774/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,108/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,290
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$102,379
−HK$3,137/mo
Today · 4.125%
HK$105,516
baseline
▲ 0.50% · 4.625%
HK$111,937
+HK$6,421/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$211,032/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,459
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$113,422
−HK$3,005/mo
Today · 4.125%
HK$116,427
baseline
▲ 0.50% · 4.625%
HK$122,564
+HK$6,137/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,854/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,108 · Scale 2, in force from 26 Feb 2026)