LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,183
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,899
−HK$1,744/mo
Today · 4.125%
HK$58,643
baseline
▲ 0.50% · 4.625%
HK$62,211
+HK$3,568/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,286/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,390
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,037
−HK$1,670/mo
Today · 4.125%
HK$64,707
baseline
▲ 0.50% · 4.625%
HK$68,118
+HK$3,411/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,414/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,219
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,279
−HK$2,093/mo
Today · 4.125%
HK$70,372
baseline
▲ 0.50% · 4.625%
HK$74,654
+HK$4,282/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,744/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,668
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,644
−HK$2,004/mo
Today · 4.125%
HK$77,648
baseline
▲ 0.50% · 4.625%
HK$81,741
+HK$4,093/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,296/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,256
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,659
−HK$2,441/mo
Today · 4.125%
HK$82,100
baseline
▲ 0.50% · 4.625%
HK$87,096
+HK$4,996/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,200/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,946
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,251
−HK$2,339/mo
Today · 4.125%
HK$90,590
baseline
▲ 0.50% · 4.625%
HK$95,365
+HK$4,775/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,180/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,329
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$102,419
−HK$3,139/mo
Today · 4.125%
HK$105,558
baseline
▲ 0.50% · 4.625%
HK$111,981
+HK$6,423/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,116/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,502
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,466
−HK$3,006/mo
Today · 4.125%
HK$116,472
baseline
▲ 0.50% · 4.625%
HK$122,612
+HK$6,140/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,944/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,510 · Scale 2, in force from 26 Feb 2026)