LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,191
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,908
−HK$1,744/mo
Today · 4.125%
HK$58,652
baseline
▲ 0.50% · 4.625%
HK$62,221
+HK$3,569/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,304/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,399
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,046
−HK$1,671/mo
Today · 4.125%
HK$64,717
baseline
▲ 0.50% · 4.625%
HK$68,128
+HK$3,411/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,434/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,229
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,289
−HK$2,093/mo
Today · 4.125%
HK$70,382
baseline
▲ 0.50% · 4.625%
HK$74,665
+HK$4,283/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,764/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,679
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,655
−HK$2,005/mo
Today · 4.125%
HK$77,660
baseline
▲ 0.50% · 4.625%
HK$81,753
+HK$4,093/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,320/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,267
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,671
−HK$2,442/mo
Today · 4.125%
HK$82,113
baseline
▲ 0.50% · 4.625%
HK$87,109
+HK$4,996/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,226/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,959
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,264
−HK$2,339/mo
Today · 4.125%
HK$90,603
baseline
▲ 0.50% · 4.625%
HK$95,379
+HK$4,776/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,206/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,344
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$102,434
−HK$3,139/mo
Today · 4.125%
HK$105,573
baseline
▲ 0.50% · 4.625%
HK$111,997
+HK$6,424/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,146/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,519
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$113,483
−HK$3,007/mo
Today · 4.125%
HK$116,490
baseline
▲ 0.50% · 4.625%
HK$122,630
+HK$6,140/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,980/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,663 · Scale 2, in force from 26 Feb 2026)