LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,252
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,970
−HK$1,746/mo
Today · 4.125%
HK$58,716
baseline
▲ 0.50% · 4.625%
HK$62,289
+HK$3,573/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,432/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,029,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,467
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,115
−HK$1,673/mo
Today · 4.125%
HK$64,788
baseline
▲ 0.50% · 4.625%
HK$68,203
+HK$3,415/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,576/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,029,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,302
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,364
−HK$2,096/mo
Today · 4.125%
HK$70,460
baseline
▲ 0.50% · 4.625%
HK$74,747
+HK$4,287/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,920/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,760
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,738
−HK$2,007/mo
Today · 4.125%
HK$77,745
baseline
▲ 0.50% · 4.625%
HK$81,843
+HK$4,098/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,490/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,352
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$79,758
−HK$2,445/mo
Today · 4.125%
HK$82,203
baseline
▲ 0.50% · 4.625%
HK$87,205
+HK$5,002/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,406/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,054
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,362
−HK$2,341/mo
Today · 4.125%
HK$90,703
baseline
▲ 0.50% · 4.625%
HK$95,484
+HK$4,781/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,406/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,453
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,546
−HK$3,144/mo
Today · 4.125%
HK$105,690
baseline
▲ 0.50% · 4.625%
HK$112,120
+HK$6,430/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$211,380/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,640
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,608
−HK$3,010/mo
Today · 4.125%
HK$116,618
baseline
▲ 0.50% · 4.625%
HK$122,765
+HK$6,147/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$233,236/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,794 · Scale 2, in force from 26 Feb 2026)