LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,201
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,919
−HK$1,744/mo
Today · 4.125%
HK$58,663
baseline
▲ 0.50% · 4.625%
HK$62,233
+HK$3,570/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,326/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,411
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,058
−HK$1,671/mo
Today · 4.125%
HK$64,729
baseline
▲ 0.50% · 4.625%
HK$68,141
+HK$3,412/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,458/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,242
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,302
−HK$2,094/mo
Today · 4.125%
HK$70,396
baseline
▲ 0.50% · 4.625%
HK$74,679
+HK$4,283/mo
Deposit HK$9.68M · loan HK$14.53M · min. income ≈ HK$140,792/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,693
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,670
−HK$2,005/mo
Today · 4.125%
HK$77,675
baseline
▲ 0.50% · 4.625%
HK$81,769
+HK$4,094/mo
Deposit HK$9.68M · loan HK$14.53M · min. income ≈ HK$155,350/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,282
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,686
−HK$2,442/mo
Today · 4.125%
HK$82,128
baseline
▲ 0.50% · 4.625%
HK$87,126
+HK$4,998/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$164,256/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,976
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,281
−HK$2,340/mo
Today · 4.125%
HK$90,621
baseline
▲ 0.50% · 4.625%
HK$95,397
+HK$4,776/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$181,242/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,363
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$102,453
−HK$3,141/mo
Today · 4.125%
HK$105,594
baseline
▲ 0.50% · 4.625%
HK$112,019
+HK$6,425/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,188/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,540
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$113,505
−HK$3,007/mo
Today · 4.125%
HK$116,512
baseline
▲ 0.50% · 4.625%
HK$122,654
+HK$6,142/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,024/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,860 · Scale 2, in force from 26 Feb 2026)