LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,195
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,912
−HK$1,744/mo
Today · 4.125%
HK$58,656
baseline
▲ 0.50% · 4.625%
HK$62,225
+HK$3,569/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,312/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,404
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,050
−HK$1,671/mo
Today · 4.125%
HK$64,721
baseline
▲ 0.50% · 4.625%
HK$68,133
+HK$3,412/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,442/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,234
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,294
−HK$2,093/mo
Today · 4.125%
HK$70,387
baseline
▲ 0.50% · 4.625%
HK$74,670
+HK$4,283/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,774/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,684
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,660
−HK$2,005/mo
Today · 4.125%
HK$77,665
baseline
▲ 0.50% · 4.625%
HK$81,759
+HK$4,094/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,330/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,273
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,676
−HK$2,442/mo
Today · 4.125%
HK$82,118
baseline
▲ 0.50% · 4.625%
HK$87,115
+HK$4,997/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,236/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,965
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,271
−HK$2,338/mo
Today · 4.125%
HK$90,609
baseline
▲ 0.50% · 4.625%
HK$95,386
+HK$4,777/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,218/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,351
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$102,441
−HK$3,140/mo
Today · 4.125%
HK$105,581
baseline
▲ 0.50% · 4.625%
HK$112,005
+HK$6,424/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,162/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,526
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$113,491
−HK$3,007/mo
Today · 4.125%
HK$116,498
baseline
▲ 0.50% · 4.625%
HK$122,639
+HK$6,141/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,996/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,734 · Scale 2, in force from 26 Feb 2026)