LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,234
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,952
−HK$1,746/mo
Today · 4.125%
HK$58,698
baseline
▲ 0.50% · 4.625%
HK$62,270
+HK$3,572/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,396/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,448
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,096
−HK$1,671/mo
Today · 4.125%
HK$64,767
baseline
▲ 0.50% · 4.625%
HK$68,181
+HK$3,414/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,534/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,281
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,343
−HK$2,095/mo
Today · 4.125%
HK$70,438
baseline
▲ 0.50% · 4.625%
HK$74,724
+HK$4,286/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$140,876/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,737
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,715
−HK$2,006/mo
Today · 4.125%
HK$77,721
baseline
▲ 0.50% · 4.625%
HK$81,818
+HK$4,097/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,442/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,328
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,733
−HK$2,444/mo
Today · 4.125%
HK$82,177
baseline
▲ 0.50% · 4.625%
HK$87,177
+HK$5,000/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,354/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,027
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,334
−HK$2,340/mo
Today · 4.125%
HK$90,674
baseline
▲ 0.50% · 4.625%
HK$95,454
+HK$4,780/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,348/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,422
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$102,514
−HK$3,142/mo
Today · 4.125%
HK$105,656
baseline
▲ 0.50% · 4.625%
HK$112,085
+HK$6,429/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$211,312/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,606
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$113,572
−HK$3,009/mo
Today · 4.125%
HK$116,581
baseline
▲ 0.50% · 4.625%
HK$122,727
+HK$6,146/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$233,162/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,472 · Scale 2, in force from 26 Feb 2026)