LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,196
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,913
−HK$1,744/mo
Today · 4.125%
HK$58,657
baseline
▲ 0.50% · 4.625%
HK$62,226
+HK$3,569/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,314/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,405
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,052
−HK$1,670/mo
Today · 4.125%
HK$64,722
baseline
▲ 0.50% · 4.625%
HK$68,134
+HK$3,412/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,444/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,235
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,295
−HK$2,093/mo
Today · 4.125%
HK$70,388
baseline
▲ 0.50% · 4.625%
HK$74,671
+HK$4,283/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,776/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,686
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,662
−HK$2,005/mo
Today · 4.125%
HK$77,667
baseline
▲ 0.50% · 4.625%
HK$81,761
+HK$4,094/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,334/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,274
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,678
−HK$2,442/mo
Today · 4.125%
HK$82,120
baseline
▲ 0.50% · 4.625%
HK$87,117
+HK$4,997/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,240/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,967
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,272
−HK$2,339/mo
Today · 4.125%
HK$90,611
baseline
▲ 0.50% · 4.625%
HK$95,387
+HK$4,776/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,222/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,352
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$102,443
−HK$3,140/mo
Today · 4.125%
HK$105,583
baseline
▲ 0.50% · 4.625%
HK$112,007
+HK$6,424/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,166/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,529
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$113,493
−HK$3,007/mo
Today · 4.125%
HK$116,500
baseline
▲ 0.50% · 4.625%
HK$122,641
+HK$6,141/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,000/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,753 · Scale 2, in force from 26 Feb 2026)