LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,208
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,926
−HK$1,744/mo
Today · 4.125%
HK$58,670
baseline
▲ 0.50% · 4.625%
HK$62,240
+HK$3,570/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,340/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,419
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,066
−HK$1,671/mo
Today · 4.125%
HK$64,737
baseline
▲ 0.50% · 4.625%
HK$68,149
+HK$3,412/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,474/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,250
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,311
−HK$2,093/mo
Today · 4.125%
HK$70,404
baseline
▲ 0.50% · 4.625%
HK$74,688
+HK$4,284/mo
Deposit HK$9.68M · loan HK$14.53M · min. income ≈ HK$140,808/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,702
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,679
−HK$2,005/mo
Today · 4.125%
HK$77,684
baseline
▲ 0.50% · 4.625%
HK$81,779
+HK$4,095/mo
Deposit HK$9.68M · loan HK$14.53M · min. income ≈ HK$155,368/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,292
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,696
−HK$2,443/mo
Today · 4.125%
HK$82,139
baseline
▲ 0.50% · 4.625%
HK$87,136
+HK$4,997/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$164,278/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,986
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,292
−HK$2,340/mo
Today · 4.125%
HK$90,632
baseline
▲ 0.50% · 4.625%
HK$95,409
+HK$4,777/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$181,264/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,375
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$102,466
−HK$3,141/mo
Today · 4.125%
HK$105,607
baseline
▲ 0.50% · 4.625%
HK$112,033
+HK$6,426/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,214/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,554
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$113,519
−HK$3,008/mo
Today · 4.125%
HK$116,527
baseline
▲ 0.50% · 4.625%
HK$122,669
+HK$6,142/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,054/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,987 · Scale 2, in force from 26 Feb 2026)