LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,179
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,895
−HK$1,744/mo
Today · 4.125%
HK$58,639
baseline
▲ 0.50% · 4.625%
HK$62,207
+HK$3,568/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,278/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,386
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,032
−HK$1,670/mo
Today · 4.125%
HK$64,702
baseline
▲ 0.50% · 4.625%
HK$68,113
+HK$3,411/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,404/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,214
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,274
−HK$2,093/mo
Today · 4.125%
HK$70,367
baseline
▲ 0.50% · 4.625%
HK$74,648
+HK$4,281/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,734/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,663
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,639
−HK$2,004/mo
Today · 4.125%
HK$77,643
baseline
▲ 0.50% · 4.625%
HK$81,735
+HK$4,092/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,286/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,250
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,653
−HK$2,441/mo
Today · 4.125%
HK$82,094
baseline
▲ 0.50% · 4.625%
HK$87,090
+HK$4,996/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,188/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,940
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,245
−HK$2,338/mo
Today · 4.125%
HK$90,583
baseline
▲ 0.50% · 4.625%
HK$95,358
+HK$4,775/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,166/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,322
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$102,411
−HK$3,139/mo
Today · 4.125%
HK$105,550
baseline
▲ 0.50% · 4.625%
HK$111,973
+HK$6,423/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,100/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,494
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,458
−HK$3,006/mo
Today · 4.125%
HK$116,464
baseline
▲ 0.50% · 4.625%
HK$122,603
+HK$6,139/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,928/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,436 · Scale 2, in force from 26 Feb 2026)