LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,199
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,916
−HK$1,745/mo
Today · 4.125%
HK$58,661
baseline
▲ 0.50% · 4.625%
HK$62,230
+HK$3,569/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,322/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,409
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,056
−HK$1,670/mo
Today · 4.125%
HK$64,726
baseline
▲ 0.50% · 4.625%
HK$68,138
+HK$3,412/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$1,028,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,239
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,300
−HK$2,093/mo
Today · 4.125%
HK$70,393
baseline
▲ 0.50% · 4.625%
HK$74,676
+HK$4,283/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,786/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,690
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,667
−HK$2,005/mo
Today · 4.125%
HK$77,672
baseline
▲ 0.50% · 4.625%
HK$81,766
+HK$4,094/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,344/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,279
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,683
−HK$2,442/mo
Today · 4.125%
HK$82,125
baseline
▲ 0.50% · 4.625%
HK$87,122
+HK$4,997/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$164,250/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,972
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,278
−HK$2,339/mo
Today · 4.125%
HK$90,617
baseline
▲ 0.50% · 4.625%
HK$95,394
+HK$4,777/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$181,234/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,359
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$102,449
−HK$3,140/mo
Today · 4.125%
HK$105,589
baseline
▲ 0.50% · 4.625%
HK$112,014
+HK$6,425/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,178/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,536
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$113,500
−HK$3,008/mo
Today · 4.125%
HK$116,508
baseline
▲ 0.50% · 4.625%
HK$122,649
+HK$6,141/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,016/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,820 · Scale 2, in force from 26 Feb 2026)