LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,170
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,886
−HK$1,743/mo
Today · 4.125%
HK$58,629
baseline
▲ 0.50% · 4.625%
HK$62,197
+HK$3,568/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,258/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,376
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,022
−HK$1,670/mo
Today · 4.125%
HK$64,692
baseline
▲ 0.50% · 4.625%
HK$68,102
+HK$3,410/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,384/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,204
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,263
−HK$2,092/mo
Today · 4.125%
HK$70,355
baseline
▲ 0.50% · 4.625%
HK$74,636
+HK$4,281/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,710/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,651
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,626
−HK$2,004/mo
Today · 4.125%
HK$77,630
baseline
▲ 0.50% · 4.625%
HK$81,722
+HK$4,092/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,260/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,238
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,640
−HK$2,441/mo
Today · 4.125%
HK$82,081
baseline
▲ 0.50% · 4.625%
HK$87,075
+HK$4,994/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,162/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,926
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,230
−HK$2,338/mo
Today · 4.125%
HK$90,568
baseline
▲ 0.50% · 4.625%
HK$95,342
+HK$4,774/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,136/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,305
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$102,394
−HK$3,139/mo
Today · 4.125%
HK$105,533
baseline
▲ 0.50% · 4.625%
HK$111,954
+HK$6,421/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,066/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,476
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$113,439
−HK$3,006/mo
Today · 4.125%
HK$116,445
baseline
▲ 0.50% · 4.625%
HK$122,583
+HK$6,138/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,890/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,267 · Scale 2, in force from 26 Feb 2026)