LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,254
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,973
−HK$1,746/mo
Today · 4.125%
HK$58,719
baseline
▲ 0.50% · 4.625%
HK$62,292
+HK$3,573/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,438/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,029,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,469
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,118
−HK$1,672/mo
Today · 4.125%
HK$64,790
baseline
▲ 0.50% · 4.625%
HK$68,205
+HK$3,415/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,580/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,029,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,305
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,367
−HK$2,095/mo
Today · 4.125%
HK$70,462
baseline
▲ 0.50% · 4.625%
HK$74,750
+HK$4,288/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,924/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,763
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,741
−HK$2,007/mo
Today · 4.125%
HK$77,748
baseline
▲ 0.50% · 4.625%
HK$81,847
+HK$4,099/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,496/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,355
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$79,762
−HK$2,444/mo
Today · 4.125%
HK$82,206
baseline
▲ 0.50% · 4.625%
HK$87,208
+HK$5,002/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,412/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,057
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,365
−HK$2,341/mo
Today · 4.125%
HK$90,706
baseline
▲ 0.50% · 4.625%
HK$95,488
+HK$4,782/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,412/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,457
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,551
−HK$3,143/mo
Today · 4.125%
HK$105,694
baseline
▲ 0.50% · 4.625%
HK$112,125
+HK$6,431/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$211,388/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,645
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,612
−HK$3,011/mo
Today · 4.125%
HK$116,623
baseline
▲ 0.50% · 4.625%
HK$122,770
+HK$6,147/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$233,246/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,835 · Scale 2, in force from 26 Feb 2026)