LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,199
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,916
−HK$1,744/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$1,028,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,408
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,055
−HK$1,671/mo
Today · 4.125%
HK$64,726
baseline
▲ 0.50% · 4.625%
HK$68,137
+HK$3,411/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,452/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,238
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,299
−HK$2,093/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$1,028,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,689
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,666
−HK$2,005/mo
Today · 4.125%
HK$77,671
baseline
▲ 0.50% · 4.625%
HK$81,765
+HK$4,094/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,342/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,278
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,682
−HK$2,442/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$16.95M · min. income ≈ HK$164,248/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,971
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,277
−HK$2,339/mo
Today · 4.125%
HK$90,616
baseline
▲ 0.50% · 4.625%
HK$95,392
+HK$4,776/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$181,232/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,357
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$102,448
−HK$3,140/mo
Today · 4.125%
HK$105,588
baseline
▲ 0.50% · 4.625%
HK$112,013
+HK$6,425/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,176/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,534
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$113,499
−HK$3,007/mo
Today · 4.125%
HK$116,506
baseline
▲ 0.50% · 4.625%
HK$122,647
+HK$6,141/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,012/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,805 · Scale 2, in force from 26 Feb 2026)