LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,197
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,914
−HK$1,744/mo
Today · 4.125%
HK$58,658
baseline
▲ 0.50% · 4.625%
HK$62,228
+HK$3,570/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,316/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,406
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,053
−HK$1,671/mo
Today · 4.125%
HK$64,724
baseline
▲ 0.50% · 4.625%
HK$68,136
+HK$3,412/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,448/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,237
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,297
−HK$2,093/mo
Today · 4.125%
HK$70,390
baseline
▲ 0.50% · 4.625%
HK$74,673
+HK$4,283/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,780/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,687
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,664
−HK$2,005/mo
Today · 4.125%
HK$77,669
baseline
▲ 0.50% · 4.625%
HK$81,763
+HK$4,094/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,338/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,276
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,680
−HK$2,442/mo
Today · 4.125%
HK$82,122
baseline
▲ 0.50% · 4.625%
HK$87,119
+HK$4,997/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,244/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,969
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,274
−HK$2,339/mo
Today · 4.125%
HK$90,613
baseline
▲ 0.50% · 4.625%
HK$95,390
+HK$4,777/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,226/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,355
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$102,445
−HK$3,140/mo
Today · 4.125%
HK$105,585
baseline
▲ 0.50% · 4.625%
HK$112,010
+HK$6,425/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,170/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,531
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$113,496
−HK$3,007/mo
Today · 4.125%
HK$116,503
baseline
▲ 0.50% · 4.625%
HK$122,644
+HK$6,141/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,006/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,779 · Scale 2, in force from 26 Feb 2026)