LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,186
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,903
−HK$1,744/mo
Today · 4.125%
HK$58,647
baseline
▲ 0.50% · 4.625%
HK$62,215
+HK$3,568/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,294/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,394
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,041
−HK$1,670/mo
Today · 4.125%
HK$64,711
baseline
▲ 0.50% · 4.625%
HK$68,122
+HK$3,411/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,422/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,223
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,283
−HK$2,093/mo
Today · 4.125%
HK$70,376
baseline
▲ 0.50% · 4.625%
HK$74,658
+HK$4,282/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,752/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,673
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,649
−HK$2,004/mo
Today · 4.125%
HK$77,653
baseline
▲ 0.50% · 4.625%
HK$81,746
+HK$4,093/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,306/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,261
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,664
−HK$2,442/mo
Today · 4.125%
HK$82,106
baseline
▲ 0.50% · 4.625%
HK$87,102
+HK$4,996/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,212/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,952
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,257
−HK$2,338/mo
Today · 4.125%
HK$90,595
baseline
▲ 0.50% · 4.625%
HK$95,371
+HK$4,776/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,190/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,335
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$102,425
−HK$3,139/mo
Today · 4.125%
HK$105,564
baseline
▲ 0.50% · 4.625%
HK$111,988
+HK$6,424/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,128/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,509
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$113,473
−HK$3,007/mo
Today · 4.125%
HK$116,480
baseline
▲ 0.50% · 4.625%
HK$122,620
+HK$6,140/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,960/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,575 · Scale 2, in force from 26 Feb 2026)