LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,198
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,915
−HK$1,745/mo
Today · 4.125%
HK$58,660
baseline
▲ 0.50% · 4.625%
HK$62,229
+HK$3,569/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,320/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,408
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,054
−HK$1,671/mo
Today · 4.125%
HK$64,725
baseline
▲ 0.50% · 4.625%
HK$68,137
+HK$3,412/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,450/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,238
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,298
−HK$2,094/mo
Today · 4.125%
HK$70,392
baseline
▲ 0.50% · 4.625%
HK$74,675
+HK$4,283/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,784/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,689
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,665
−HK$2,005/mo
Today · 4.125%
HK$77,670
baseline
▲ 0.50% · 4.625%
HK$81,764
+HK$4,094/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,340/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,278
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,681
−HK$2,443/mo
Today · 4.125%
HK$82,124
baseline
▲ 0.50% · 4.625%
HK$87,121
+HK$4,997/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,248/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,971
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,276
−HK$2,339/mo
Today · 4.125%
HK$90,615
baseline
▲ 0.50% · 4.625%
HK$95,392
+HK$4,777/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,230/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,357
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$102,447
−HK$3,140/mo
Today · 4.125%
HK$105,587
baseline
▲ 0.50% · 4.625%
HK$112,012
+HK$6,425/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,174/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,534
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$113,498
−HK$3,007/mo
Today · 4.125%
HK$116,505
baseline
▲ 0.50% · 4.625%
HK$122,646
+HK$6,141/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,010/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,800 · Scale 2, in force from 26 Feb 2026)