LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,165
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,881
−HK$1,744/mo
Today · 4.125%
HK$58,625
baseline
▲ 0.50% · 4.625%
HK$62,192
+HK$3,567/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,250/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,371
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,017
−HK$1,669/mo
Today · 4.125%
HK$64,686
baseline
▲ 0.50% · 4.625%
HK$68,096
+HK$3,410/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,372/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,198
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,257
−HK$2,092/mo
Today · 4.125%
HK$70,349
baseline
▲ 0.50% · 4.625%
HK$74,630
+HK$4,281/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,698/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,645
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,620
−HK$2,004/mo
Today · 4.125%
HK$77,624
baseline
▲ 0.50% · 4.625%
HK$81,715
+HK$4,091/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,248/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,231
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,634
−HK$2,440/mo
Today · 4.125%
HK$82,074
baseline
▲ 0.50% · 4.625%
HK$87,068
+HK$4,994/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,148/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,919
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,223
−HK$2,338/mo
Today · 4.125%
HK$90,561
baseline
▲ 0.50% · 4.625%
HK$95,334
+HK$4,773/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,122/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,297
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$102,386
−HK$3,138/mo
Today · 4.125%
HK$105,524
baseline
▲ 0.50% · 4.625%
HK$111,945
+HK$6,421/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$211,048/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,467
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$113,430
−HK$3,005/mo
Today · 4.125%
HK$116,435
baseline
▲ 0.50% · 4.625%
HK$122,573
+HK$6,138/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,870/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,183 · Scale 2, in force from 26 Feb 2026)