LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,242
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,961
−HK$1,746/mo
Today · 4.125%
HK$58,707
baseline
▲ 0.50% · 4.625%
HK$62,279
+HK$3,572/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,414/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,457
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,105
−HK$1,672/mo
Today · 4.125%
HK$64,777
baseline
▲ 0.50% · 4.625%
HK$68,192
+HK$3,415/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,554/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,291
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,353
−HK$2,095/mo
Today · 4.125%
HK$70,448
baseline
▲ 0.50% · 4.625%
HK$74,735
+HK$4,287/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,896/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,748
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,726
−HK$2,006/mo
Today · 4.125%
HK$77,732
baseline
▲ 0.50% · 4.625%
HK$81,830
+HK$4,098/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,464/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,339
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,745
−HK$2,444/mo
Today · 4.125%
HK$82,189
baseline
▲ 0.50% · 4.625%
HK$87,190
+HK$5,001/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,378/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,039
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,347
−HK$2,341/mo
Today · 4.125%
HK$90,688
baseline
▲ 0.50% · 4.625%
HK$95,468
+HK$4,780/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,376/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,436
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$102,530
−HK$3,142/mo
Today · 4.125%
HK$105,672
baseline
▲ 0.50% · 4.625%
HK$112,102
+HK$6,430/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$211,344/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,622
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$113,589
−HK$3,010/mo
Today · 4.125%
HK$116,599
baseline
▲ 0.50% · 4.625%
HK$122,745
+HK$6,146/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$233,198/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,624 · Scale 2, in force from 26 Feb 2026)