LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,247
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,965
−HK$1,746/mo
Today · 4.125%
HK$58,711
baseline
▲ 0.50% · 4.625%
HK$62,284
+HK$3,573/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,422/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,462
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,110
−HK$1,672/mo
Today · 4.125%
HK$64,782
baseline
▲ 0.50% · 4.625%
HK$68,197
+HK$3,415/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,564/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,296
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,358
−HK$2,096/mo
Today · 4.125%
HK$70,454
baseline
▲ 0.50% · 4.625%
HK$74,741
+HK$4,287/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,908/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,754
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,732
−HK$2,007/mo
Today · 4.125%
HK$77,739
baseline
▲ 0.50% · 4.625%
HK$81,836
+HK$4,097/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,478/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,346
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,752
−HK$2,444/mo
Today · 4.125%
HK$82,196
baseline
▲ 0.50% · 4.625%
HK$87,197
+HK$5,001/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,392/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,046
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,354
−HK$2,341/mo
Today · 4.125%
HK$90,695
baseline
▲ 0.50% · 4.625%
HK$95,476
+HK$4,781/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,390/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,444
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$102,538
−HK$3,142/mo
Today · 4.125%
HK$105,680
baseline
▲ 0.50% · 4.625%
HK$112,111
+HK$6,431/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$211,360/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,631
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$113,598
−HK$3,010/mo
Today · 4.125%
HK$116,608
baseline
▲ 0.50% · 4.625%
HK$122,754
+HK$6,146/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$233,216/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,706 · Scale 2, in force from 26 Feb 2026)