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$62,198
+HK$3,568/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$1,028,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,376
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,023
−HK$1,669/mo
Today · 4.125%
HK$64,692
baseline
▲ 0.50% · 4.625%
HK$68,103
+HK$3,411/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$1,028,280 · 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$1,028,280 · 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$1,028,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,239
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,641
−HK$2,441/mo
Today · 4.125%
HK$82,082
baseline
▲ 0.50% · 4.625%
HK$87,077
+HK$4,995/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$1,028,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,927
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,232
−HK$2,337/mo
Today · 4.125%
HK$90,569
baseline
▲ 0.50% · 4.625%
HK$95,344
+HK$4,775/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$1,028,280 · 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$111,956
+HK$6,422/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$1,028,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,478
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$113,441
−HK$3,005/mo
Today · 4.125%
HK$116,446
baseline
▲ 0.50% · 4.625%
HK$122,585
+HK$6,139/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$1,028,280 · Scale 2, in force from 26 Feb 2026)