LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,181
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,897
−HK$1,744/mo
Today · 4.125%
HK$58,641
baseline
▲ 0.50% · 4.625%
HK$62,209
+HK$3,568/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,282/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,388
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,035
−HK$1,670/mo
Today · 4.125%
HK$64,705
baseline
▲ 0.50% · 4.625%
HK$68,115
+HK$3,410/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,410/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,217
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,277
−HK$2,092/mo
Today · 4.125%
HK$70,369
baseline
▲ 0.50% · 4.625%
HK$74,651
+HK$4,282/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,738/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,666
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,642
−HK$2,004/mo
Today · 4.125%
HK$77,646
baseline
▲ 0.50% · 4.625%
HK$81,739
+HK$4,093/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,292/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,253
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,656
−HK$2,442/mo
Today · 4.125%
HK$82,098
baseline
▲ 0.50% · 4.625%
HK$87,093
+HK$4,995/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,196/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,943
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,248
−HK$2,339/mo
Today · 4.125%
HK$90,587
baseline
▲ 0.50% · 4.625%
HK$95,362
+HK$4,775/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,174/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,326
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$102,415
−HK$3,139/mo
Today · 4.125%
HK$105,554
baseline
▲ 0.50% · 4.625%
HK$111,977
+HK$6,423/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,108/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,499
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,462
−HK$3,007/mo
Today · 4.125%
HK$116,469
baseline
▲ 0.50% · 4.625%
HK$122,608
+HK$6,139/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,938/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,476 · Scale 2, in force from 26 Feb 2026)