LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,181
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,898
−HK$1,744/mo
Today · 4.125%
HK$58,642
baseline
▲ 0.50% · 4.625%
HK$62,210
+HK$3,568/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,284/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,389
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,035
−HK$1,670/mo
Today · 4.125%
HK$64,705
baseline
▲ 0.50% · 4.625%
HK$68,116
+HK$3,411/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$1,028,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,218
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,277
−HK$2,093/mo
Today · 4.125%
HK$70,370
baseline
▲ 0.50% · 4.625%
HK$74,652
+HK$4,282/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,740/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,485 · 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$1,028,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,254
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,657
−HK$2,441/mo
Today · 4.125%
HK$82,098
baseline
▲ 0.50% · 4.625%
HK$87,094
+HK$4,996/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$1,028,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,944
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,249
−HK$2,338/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$1,028,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,326
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$102,416
−HK$3,139/mo
Today · 4.125%
HK$105,555
baseline
▲ 0.50% · 4.625%
HK$111,978
+HK$6,423/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,110/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,500
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,463
−HK$3,007/mo
Today · 4.125%
HK$116,470
baseline
▲ 0.50% · 4.625%
HK$122,609
+HK$6,139/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,940/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,485 · Scale 2, in force from 26 Feb 2026)