LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,176
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,892
−HK$1,744/mo
Today · 4.125%
HK$58,636
baseline
▲ 0.50% · 4.625%
HK$62,204
+HK$3,568/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,272/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,383
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,029
−HK$1,670/mo
Today · 4.125%
HK$64,699
baseline
▲ 0.50% · 4.625%
HK$68,109
+HK$3,410/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,398/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,211
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,271
−HK$2,092/mo
Today · 4.125%
HK$70,363
baseline
▲ 0.50% · 4.625%
HK$74,644
+HK$4,281/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,726/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,659
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,635
−HK$2,004/mo
Today · 4.125%
HK$77,639
baseline
▲ 0.50% · 4.625%
HK$81,731
+HK$4,092/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,278/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,246
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,649
−HK$2,441/mo
Today · 4.125%
HK$82,090
baseline
▲ 0.50% · 4.625%
HK$87,085
+HK$4,995/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,180/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,936
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,240
−HK$2,338/mo
Today · 4.125%
HK$90,578
baseline
▲ 0.50% · 4.625%
HK$95,353
+HK$4,775/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,156/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,316
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$102,406
−HK$3,139/mo
Today · 4.125%
HK$105,545
baseline
▲ 0.50% · 4.625%
HK$111,967
+HK$6,422/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,090/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,489
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$113,452
−HK$3,006/mo
Today · 4.125%
HK$116,458
baseline
▲ 0.50% · 4.625%
HK$122,597
+HK$6,139/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,916/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,382 · Scale 2, in force from 26 Feb 2026)