LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,184
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,900
−HK$1,744/mo
Today · 4.125%
HK$58,644
baseline
▲ 0.50% · 4.625%
HK$62,213
+HK$3,569/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,288/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,391
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,038
−HK$1,670/mo
Today · 4.125%
HK$64,708
baseline
▲ 0.50% · 4.625%
HK$68,119
+HK$3,411/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,416/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,221
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,280
−HK$2,093/mo
Today · 4.125%
HK$70,373
baseline
▲ 0.50% · 4.625%
HK$74,655
+HK$4,282/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,746/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,670
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,645
−HK$2,005/mo
Today · 4.125%
HK$77,650
baseline
▲ 0.50% · 4.625%
HK$81,743
+HK$4,093/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,300/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,257
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,660
−HK$2,442/mo
Today · 4.125%
HK$82,102
baseline
▲ 0.50% · 4.625%
HK$87,098
+HK$4,996/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,204/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,948
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,253
−HK$2,338/mo
Today · 4.125%
HK$90,591
baseline
▲ 0.50% · 4.625%
HK$95,367
+HK$4,776/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,182/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,331
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$102,421
−HK$3,139/mo
Today · 4.125%
HK$105,560
baseline
▲ 0.50% · 4.625%
HK$111,983
+HK$6,423/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,120/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,505
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,468
−HK$3,007/mo
Today · 4.125%
HK$116,475
baseline
▲ 0.50% · 4.625%
HK$122,614
+HK$6,139/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,950/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,530 · Scale 2, in force from 26 Feb 2026)