LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,170
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,886
−HK$1,744/mo
Today · 4.125%
HK$58,630
baseline
▲ 0.50% · 4.625%
HK$62,197
+HK$3,567/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,260/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,278 · 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$1,028,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,204
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,264
−HK$2,092/mo
Today · 4.125%
HK$70,356
baseline
▲ 0.50% · 4.625%
HK$74,637
+HK$4,281/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,712/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,652
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,627
−HK$2,004/mo
Today · 4.125%
HK$77,631
baseline
▲ 0.50% · 4.625%
HK$81,723
+HK$4,092/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,262/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,238
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,641
−HK$2,441/mo
Today · 4.125%
HK$82,082
baseline
▲ 0.50% · 4.625%
HK$87,076
+HK$4,994/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,164/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,927
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,231
−HK$2,338/mo
Today · 4.125%
HK$90,569
baseline
▲ 0.50% · 4.625%
HK$95,343
+HK$4,774/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,138/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,307
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$102,396
−HK$3,138/mo
Today · 4.125%
HK$105,534
baseline
▲ 0.50% · 4.625%
HK$111,955
+HK$6,421/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,068/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,478
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$113,440
−HK$3,006/mo
Today · 4.125%
HK$116,446
baseline
▲ 0.50% · 4.625%
HK$122,584
+HK$6,138/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,892/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,278 · Scale 2, in force from 26 Feb 2026)