LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,257
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,976
−HK$1,746/mo
Today · 4.125%
HK$58,722
baseline
▲ 0.50% · 4.625%
HK$62,295
+HK$3,573/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,444/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,029,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,473
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,122
−HK$1,672/mo
Today · 4.125%
HK$64,794
baseline
▲ 0.50% · 4.625%
HK$68,210
+HK$3,416/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,588/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,029,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,309
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,371
−HK$2,096/mo
Today · 4.125%
HK$70,467
baseline
▲ 0.50% · 4.625%
HK$74,754
+HK$4,287/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,934/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,768
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,746
−HK$2,007/mo
Today · 4.125%
HK$77,753
baseline
▲ 0.50% · 4.625%
HK$81,852
+HK$4,099/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,506/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,360
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$79,766
−HK$2,445/mo
Today · 4.125%
HK$82,211
baseline
▲ 0.50% · 4.625%
HK$87,214
+HK$5,003/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,422/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,062
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$88,370
−HK$2,342/mo
Today · 4.125%
HK$90,712
baseline
▲ 0.50% · 4.625%
HK$95,493
+HK$4,781/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,424/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,463
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,557
−HK$3,143/mo
Today · 4.125%
HK$105,700
baseline
▲ 0.50% · 4.625%
HK$112,132
+HK$6,432/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$211,400/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,651
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$113,619
−HK$3,011/mo
Today · 4.125%
HK$116,630
baseline
▲ 0.50% · 4.625%
HK$122,777
+HK$6,147/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$233,260/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,897 · Scale 2, in force from 26 Feb 2026)