LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,164
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,879
−HK$1,744/mo
Today · 4.125%
HK$58,623
baseline
▲ 0.50% · 4.625%
HK$62,190
+HK$3,567/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,246/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,369
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,015
−HK$1,669/mo
Today · 4.125%
HK$64,684
baseline
▲ 0.50% · 4.625%
HK$68,094
+HK$3,410/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,368/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,196
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,255
−HK$2,092/mo
Today · 4.125%
HK$70,347
baseline
▲ 0.50% · 4.625%
HK$74,628
+HK$4,281/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,694/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,028,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,643
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,618
−HK$2,003/mo
Today · 4.125%
HK$77,621
baseline
▲ 0.50% · 4.625%
HK$81,713
+HK$4,092/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,242/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,028,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,229
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,631
−HK$2,441/mo
Today · 4.125%
HK$82,072
baseline
▲ 0.50% · 4.625%
HK$87,066
+HK$4,994/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,144/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,916
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,221
−HK$2,337/mo
Today · 4.125%
HK$90,558
baseline
▲ 0.50% · 4.625%
HK$95,332
+HK$4,774/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,116/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,294
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$102,383
−HK$3,138/mo
Today · 4.125%
HK$105,521
baseline
▲ 0.50% · 4.625%
HK$111,942
+HK$6,421/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$211,042/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,464
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$113,427
−HK$3,005/mo
Today · 4.125%
HK$116,432
baseline
▲ 0.50% · 4.625%
HK$122,569
+HK$6,137/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,864/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,152 · Scale 2, in force from 26 Feb 2026)