LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,173
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,890
−HK$1,743/mo
Today · 4.125%
HK$58,633
baseline
▲ 0.50% · 4.625%
HK$62,201
+HK$3,568/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,266/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,380
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,026
−HK$1,670/mo
Today · 4.125%
HK$64,696
baseline
▲ 0.50% · 4.625%
HK$68,106
+HK$3,410/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,392/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,208
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,268
−HK$2,092/mo
Today · 4.125%
HK$70,360
baseline
▲ 0.50% · 4.625%
HK$74,641
+HK$4,281/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,720/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,656
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,631
−HK$2,004/mo
Today · 4.125%
HK$77,635
baseline
▲ 0.50% · 4.625%
HK$81,727
+HK$4,092/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,270/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,243
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,645
−HK$2,442/mo
Today · 4.125%
HK$82,087
baseline
▲ 0.50% · 4.625%
HK$87,081
+HK$4,994/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,174/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,932
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,236
−HK$2,338/mo
Today · 4.125%
HK$90,574
baseline
▲ 0.50% · 4.625%
HK$95,349
+HK$4,775/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,148/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,312
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$102,401
−HK$3,139/mo
Today · 4.125%
HK$105,540
baseline
▲ 0.50% · 4.625%
HK$111,962
+HK$6,422/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,080/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,484
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$113,447
−HK$3,006/mo
Today · 4.125%
HK$116,453
baseline
▲ 0.50% · 4.625%
HK$122,591
+HK$6,138/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,906/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,336 · Scale 2, in force from 26 Feb 2026)