LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,167
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,883
−HK$1,744/mo
Today · 4.125%
HK$58,627
baseline
▲ 0.50% · 4.625%
HK$62,194
+HK$3,567/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,254/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,373
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,019
−HK$1,670/mo
Today · 4.125%
HK$64,689
baseline
▲ 0.50% · 4.625%
HK$68,099
+HK$3,410/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,378/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,201
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,260
−HK$2,092/mo
Today · 4.125%
HK$70,352
baseline
▲ 0.50% · 4.625%
HK$74,633
+HK$4,281/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,704/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,648
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,623
−HK$2,004/mo
Today · 4.125%
HK$77,627
baseline
▲ 0.50% · 4.625%
HK$81,718
+HK$4,091/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,254/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,234
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,637
−HK$2,440/mo
Today · 4.125%
HK$82,077
baseline
▲ 0.50% · 4.625%
HK$87,072
+HK$4,995/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,154/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,922
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,227
−HK$2,337/mo
Today · 4.125%
HK$90,564
baseline
▲ 0.50% · 4.625%
HK$95,338
+HK$4,774/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,128/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,301
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$102,390
−HK$3,138/mo
Today · 4.125%
HK$105,528
baseline
▲ 0.50% · 4.625%
HK$111,949
+HK$6,421/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$211,056/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,471
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$113,434
−HK$3,006/mo
Today · 4.125%
HK$116,440
baseline
▲ 0.50% · 4.625%
HK$122,578
+HK$6,138/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,880/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,221 · Scale 2, in force from 26 Feb 2026)